Money Matters: Cash vs. Card in Japan – What Tourists Need to Know

When you think of Japan, you probably imagine high-speed trains, vending machines that sell everything, and futuristic technology. But when it comes to money, Japan still surprises many tourists: cash is often more reliable than a credit card.

So if you’re planning a trip to Japan, here’s what you need to know to avoid awkward payment moments and make the most of your visit.

💴 Cash is Still King in Japan

Yes, Japan is modern—but many places still prefer good old-fashioned yen. You’ll need cash especially if you’re visiting:

  • Local restaurants, ramen shops, and izakayas
  • Traditional inns (ryokan)
  • Street food stalls and small markets
  • Smaller attractions and temples
  • Coin lockers and vending machines
  • Rural buses or countryside shops

Carrying cash isn’t risky here—Japan is one of the safest countries in the world. It’s common to carry large bills without worry.

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🏧 Where to Get Cash

Not all ATMs accept foreign cards, but these are your best bets:

  • 7-Eleven ATMs – Found everywhere and foreign card-friendly
  • Japan Post ATMs – In post offices, work with most international cards
  • Convenience stores like Lawson and FamilyMart

💡 Pro Tip: Use ATMs during the day, and always select “credit” when choosing your card type—even if it’s a debit card.

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💳 Credit & Debit Cards – Growing but Not Universal

You can use Visa, Mastercard, and sometimes Amex or JCB at:

  • Hotels
  • Department stores
  • Chain restaurants and cafes
  • Airport shops and bullet train ticket counters

But don’t expect cards to work at smaller shops, traditional guesthouses, or countryside spots. Always ask before assuming!

💡 Bonus: IC Cards Like Suica & Pasmo

These rechargeable cards are a tourist’s best friend.

Originally made for trains and buses, IC cards like Suica, Pasmo, and ICOCA now work at:

  • Convenience stores
  • Vending machines
  • Some restaurants and souvenir shops

Load them with cash and just tap to pay. They’re fast, easy, and great for getting around.

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Top Tips for Tourists

  • Always have both cash and card—don’t rely on one.
  • Carry a coin pouch—you’ll get lots of coins.
  • Break large bills at convenience stores if small shops don’t accept ¥10,000 notes.
  • Plan ahead in rural areas—check if places take card or only cash.

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