How to Pay in Japan: Cash, Credit Cards, ATMs & Suica

Do you need cash in Japan? Can you travel using only a credit card? And where can you withdraw Japanese yen with a foreign bank card?

These are common questions for first-time visitors to Japan.

Japan has become increasingly cashless, especially in major cities such as Tokyo, Osaka, and Kyoto. Credit cards are widely accepted at hotels, department stores, convenience stores, and many restaurants.

However, Japan is not a completely cashless country. Some small restaurants, traditional shops, temples, and rural businesses still accept cash only.

The easiest approach is to carry a credit card, keep some Japanese yen on hand, and use a transportation IC card such as Suica or PASMO for everyday travel and small purchases.

This guide explains everything you need to know about paying in Japan, from banknotes and ATMs to contactless payments, tipping, and local payment etiquette.

1. Japanese Yen: Understanding Japan's Currency

Japan's official currency is the Japanese yen, represented by the symbol ¥ and the international currency code JPY.

Japanese Banknotes

The three most commonly used banknotes are:

• ¥1,000 — One thousand yen
• ¥5,000 — Five thousand yen
• ¥10,000 — Ten thousand yen

Japan introduced redesigned ¥1,000, ¥5,000, and ¥10,000 banknotes in July 2024. Older banknotes remain valid, so you may see both versions during your trip.

Unlike in some countries, paying for a relatively inexpensive purchase with a ¥10,000 note is generally acceptable at ordinary shops. However, some ticket machines and small businesses may not accept large banknotes.

Japanese Coins

Japan has six coin denominations: ¥1, ¥5, ¥10, ¥50, ¥100, and ¥500.

The ¥100 and ¥500 coins are particularly useful for vending machines, coin lockers, and small purchases.

The ¥5 coin also has a special cultural association. In Japanese, go-en can mean both “five yen” and “a fortunate connection,” making the coin a popular choice for offerings at shrines.

Not every machine accepts every denomination, so check the payment instructions before inserting coins.

2. Do You Still Need Cash in Japan?

Yes. Even if you plan to use credit cards for most purchases, carrying some cash is a good idea.

Cash may be necessary at:

• Small, independently owned restaurants
• Traditional shops and local markets
• Some rural attractions and businesses
• Shrines and temples
• Certain ticket machines
• Some vending machines and coin lockers
• Ticket machines that require cash to top up transportation IC cards

Imagine finding a wonderful family-run noodle shop in a quiet neighborhood, only to discover that it accepts cash only. Having a few yen notes in your wallet can save you from an inconvenient situation.

How Much Cash Should You Carry?

There is no single amount that works for every traveler.

If you mainly visit major cities and pay for hotels and larger purchases by card, keeping approximately ¥10,000–¥20,000 per person available as a cash reserve can be a practical starting point.

This is not a recommended daily spending budget. It is simply an example of a convenient amount to keep on hand.

You may need more cash if you plan to visit rural areas, eat at small local restaurants, or spend several days away from major cities.

Rather than carrying a large amount of cash for your entire trip, you can withdraw additional yen from a compatible ATM when needed.

3. Can You Use Credit Cards in Japan?

Yes. Major international card networks, including Visa, Mastercard, JCB, and American Express, are accepted at many businesses across Japan.

Credit cards are especially useful at:

• Hotels and large accommodation providers
• Department stores and shopping malls
• Convenience stores
• Chain restaurants
• Electronics retailers
• Many tourist attractions
• Selected train ticket counters and online booking services

However, acceptance varies by business and card network. A shop displaying a credit card logo may not necessarily accept every foreign-issued card.

What About Contactless Payments?

Contactless card payments are becoming increasingly common in Japan.

If a payment terminal displays the contactless symbol, you may be able to tap a compatible credit card or smartphone to complete your purchase.

However, some transactions require you to insert your card and enter a PIN instead.

Apple Pay and Google Pay can also be useful, but compatibility depends on your device, payment card, and the retailer's payment system.

Travel tip: Bring at least one internationally accepted credit card and some cash. If possible, carry a backup payment card separately.

Before departure, check your card's overseas usage settings, foreign transaction fees, and withdrawal limits.

4. Where to Withdraw Japanese Yen: ATMs for Foreign Cards

You do not necessarily need to exchange all your travel money before arriving in Japan.

Many visitors withdraw Japanese yen directly from ATMs using foreign-issued debit or credit cards.

Two particularly useful ATM networks are Seven Bank and Japan Post Bank.

Seven Bank ATMs

Seven Bank ATMs are commonly found inside 7-Eleven convenience stores, as well as at some airports, train stations, and shopping facilities.

Many Seven Bank ATMs support international card networks, making them a convenient option for travelers.

Because 7-Eleven stores are widespread, Seven Bank is often one of the easiest places to look when you need cash.

However, card compatibility, withdrawal limits, and available services depend on your card and the ATM.

Official information: Seven Bank — Using International Cards at ATMs

Japan Post Bank ATMs

Japan Post Bank operates ATMs at post offices and other locations throughout Japan.

Many of its compatible ATMs allow cash withdrawals using supported foreign-issued cards.

They can be especially useful when traveling outside major cities.

Keep in mind that operating hours vary by location, and some ATMs may be unavailable at night or on holidays.

Official information: Japan Post Bank — International ATM Services

How to Withdraw Cash from a Japanese ATM

The exact steps vary, but the process generally looks like this:

1. Find an ATM that supports your international card network.
2. Insert your card and select English or another available language if necessary.
3. Choose the cash withdrawal option.
4. Enter your PIN and the amount you wish to withdraw.
5. Review any fees or currency conversion options.
6. Collect your cash, card, and receipt.

Always follow the instructions displayed on the ATM screen.

ATM Fees and Exchange Rates

Withdrawing cash using a foreign card may involve several charges:

• An ATM operator fee
• A fee from your card-issuing bank
• Foreign exchange or currency conversion charges
• Interest, if the withdrawal is treated as a credit card cash advance

Some ATMs may offer to convert your withdrawal into your home currency immediately. This service is known as Dynamic Currency Conversion, or DCC.

The offered conversion rate is not necessarily the most favorable. If you are given a choice, compare the terms before deciding whether to be charged in Japanese yen or your home currency.

Travel tip: Check the fees charged by your home bank before your trip, particularly if you plan to make frequent small withdrawals.

5. Suica and PASMO: More Than Just Train Cards

One of the most convenient payment tools in Japan is a rechargeable transportation IC card.

Suica and PASMO are two well-known examples.

These prepaid cards allow you to pay for eligible train and bus journeys simply by tapping the card on a reader.

But they are not just for transportation.

You can also use them at many participating:

• Convenience stores
• Vending machines
• Restaurants and cafés
• Shops inside train stations
• Coin lockers

Look for the transportation IC card payment symbol at the register.

What Is the Difference Between Suica and PASMO?

Suica is associated primarily with JR East, while PASMO is associated with participating private railway and subway operators in the Tokyo metropolitan area.

For most short-term visitors, the practical difference is small.

Both can be used across many participating transportation networks and retailers through Japan's nationwide IC card interoperability system.

You generally do not need to buy both cards for a trip to Tokyo.

However, not every railway or bus route accepts them, and there are restrictions on traveling directly between certain IC card areas.

Also, a standard Suica or PASMO balance does not automatically cover ordinary Shinkansen travel. Additional tickets or eligible reservation arrangements are normally required.

Welcome Suica for International Visitors

Welcome Suica is a prepaid IC card designed for visitors to Japan.

It can be used for eligible transportation and shopping, just like other compatible transportation IC cards.

The standard visitor card is valid for 28 days from the date of purchase.

For details about availability, conditions, and how to use it, visit the official Welcome Suica website.

JR East also offers Welcome Suica Mobile for compatible iPhones, allowing eligible users to issue and top up a digital Suica.

Learn more at the official Welcome Suica Mobile website.

TOURIST PASMO for International Visitors

TOURIST PASMO is a special prepaid transportation IC card for international visitors.

It is available at designated locations at Haneda Airport and Narita Airport, subject to current sales conditions.

The card is valid for 28 days from purchase, and unused stored value is not refunded.

Check the official TOURIST PASMO website for purchase locations, prices, and other conditions.

For general information, visit the official PASMO website.

How Do You Add Money to Suica or PASMO?

Physical transportation IC cards can generally be topped up with cash at compatible station ticket machines and other supported locations.

Some convenience stores also provide top-up services.

Mobile versions may support payment card top-ups, depending on the device and card issuer.

Because not every overseas-issued payment card works with mobile top-up services, carrying some cash is still useful.

Travel tip: Check your IC card balance before taking a train, especially when traveling outside major cities.

For more advice about ticket gates, train tickets, and public transportation, read our How to Use Trains in Japan: A Beginner's Guide.

6. Paying at Convenience Stores and Restaurants

Japan has several payment styles that may be unfamiliar to first-time visitors.

Paying at Convenience Stores

Convenience stores are among the easiest places to make everyday purchases.

Major chains generally accept cash, major credit cards, and several types of electronic payment.

However, certain services, including some bill payments and ticket purchases, may have restrictions on payment methods.

Some stores also use self-service payment machines where you insert cash directly rather than handing it to a cashier.

If you are unsure what to do, simply follow the instructions on the screen or ask a staff member.

Want to know what to buy during your visit? Check out our guide to Japanese convenience store foods and snacks.

Paying at Restaurants

In Japan, you may pay at your table or at a cashier near the entrance.

At many casual restaurants, you take your bill to the register after finishing your meal.

At some izakaya pubs and higher-end restaurants, staff may bring the bill to your table.

You may also encounter ramen shops and casual eateries where you purchase a meal ticket from a vending machine before sitting down.

Some of these machines accept only cash, while others support cards or electronic payments.

If you are unsure where to pay, you can say:

“Okaikei onegaishimasu.” (お会計をお願いします)
Could we have the bill, please?

7. Do You Need to Tip in Japan?

No. Tipping is generally not expected in Japan.

At most restaurants, hotels, and in taxis, you simply pay the stated or billed amount.

There is no general expectation to add an extra 10–20% to your bill.

In fact, leaving extra money on a restaurant table may confuse staff, who might think you accidentally left it behind.

If you receive excellent service, a polite thank-you is enough.

You can say:

“Arigatou gozaimasu.” (ありがとうございます)
Thank you very much.

Some upscale hotels, restaurants, and traditional inns may include or separately charge a service fee.

This is different from an optional tip, so check the bill or booking details when necessary.

8. Japanese Payment Etiquette: Small Things to Know

Use the Payment Tray When Provided

Many Japanese shops place a small tray at the checkout counter.

When paying with cash, you can place your banknotes and coins on the tray instead of handing them directly to the cashier.

However, some stores use automated cash machines or card terminals. Simply follow the cashier's instructions.

Check Your Change

Cashiers in Japan may count your change before handing it to you.

Take a moment to check the amount and put it safely in your wallet.

Can You Pay with a ¥10,000 Note?

Yes, many ordinary shops will accept a ¥10,000 note even for a small purchase.

However, smaller businesses and ticket machines may not accept large notes, so it is useful to carry smaller denominations.

Understand Japan's Consumption Tax

Japan generally applies a 10% consumption tax, with a reduced 8% rate for certain food and beverage purchases.

For example, the tax treatment of takeaway food can differ from food consumed inside a restaurant.

Look at the final displayed price and check whether tax is included.

Useful Japanese Payment Phrases

• Kaado wa tsukaemasu ka? (カードは使えますか？) — Can I pay by card?
• Genkin dake desu ka? (現金だけですか？) — Is it cash only?
• Okaikei onegaishimasu. (お会計をお願いします) — Could we have the bill, please?
• Betsubetsu ni haraemasu ka? (別々に払えますか？) — Can we pay separately?
• Ryoushuusho o kudasai. (領収書をください) — Could I have a receipt?

For more practical advice before your trip, explore our Japan Travel Essentials guide.

9. What Is the Best Way to Pay in Japan?

For most visitors, the most practical solution is to combine three payment methods.

• Credit card: Hotels, major purchases, restaurants, and shopping malls.
• Japanese yen in cash: Small shops, shrines, some ticket machines, and emergencies.
• Suica or PASMO: Trains, buses, convenience stores, and small purchases.

For example, during a few days in Tokyo, you might pay for your hotel and shopping by credit card, use Suica for trains and subways, and keep cash for a small noodle shop or a shrine visit.

This combination offers flexibility without requiring you to carry large amounts of money.

If possible, store your backup card separately from your main wallet in case your primary card is lost or stops working.

10. Frequently Asked Questions About Money in Japan

Can I Travel Around Japan Using Only Cash?

Yes, cash is accepted at many places throughout Japan. However, some online bookings and cashless-only services require a payment card or another electronic payment method.

Can I Pay in US Dollars or Euros?

Generally, no. Ordinary shops and restaurants expect payment in Japanese yen. You can exchange foreign currency at a currency exchange service or withdraw yen from a compatible ATM.

Can I Use a Foreign Debit Card at Japanese ATMs?

Many foreign-issued debit cards work at compatible Seven Bank and Japan Post Bank ATMs. However, acceptance depends on the card network, issuing bank, and overseas usage settings.

Can I Use Suica or PASMO at Convenience Stores?

Yes, at participating stores. However, some products and services may be excluded from electronic payments.

Do Japanese Taxis Accept Credit Cards?

Many taxis accept credit cards and other cashless payments, but not every vehicle supports every method. If you are concerned, confirm the available payment options before starting your journey.

Do Japanese Vending Machines Accept Credit Cards?

Some modern vending machines support contactless or other electronic payments, but many still rely on cash or transportation IC cards. Check the symbols displayed on the machine.

What Should I Do If My ATM Card Doesn't Work?

Try a different compatible ATM, check your card's overseas withdrawal settings and limits, and contact your card issuer if the problem continues.

Is It Rude Not to Tip in Japan?

Not at all. Tipping is not part of everyday payment culture in Japan. A friendly thank-you is perfectly appropriate.

Final Thoughts: Bring a Card, Some Cash, and an IC Card

Japan is an easy country to travel around once you understand its payment systems.

Although credit cards and contactless payments are widely available, cash remains useful in certain situations.

For a smooth first trip, prepare:

1. An internationally accepted credit card for hotels, shopping, and larger purchases.
2. Some Japanese yen for small businesses, shrines, ticket machines, and emergencies.
3. A transportation IC card such as Suica or PASMO for trains, buses, and convenient everyday payments.

With these three options, you will be ready for most everyday payment situations during your trip.

Continue Planning Your Japan Trip

• Japan Travel Essentials: Everything You Need to Know Before Visiting Japan
• How to Use Trains in Japan: A Beginner's Guide
• What to Buy at Japanese Convenience Stores: 15 Must-Try Foods and Snacks

Information reviewed for October 2026. ATM services, fees, transportation IC card availability, and payment methods may change. Always check the relevant official websites before traveling.