Mount Fuji at dusk

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Japan travel money

ATM fee vs card in Japan

Japan is still more cash-friendly than Western Europe in smaller shops. Card FX on a euro card is a percentage of yen spend; convenience-store ATMs often show an operator fee on screen.

Photo: 王 奕鈞 / Pexels

Travel essentials in Japan

The four things that save the most money or hassle before you go.

eSIM for Japan

Mobile data in Japan from the moment you land, instead of costly roaming. Install before you fly.

See Saily plans →
orYesimAiraloHow many GB?

Airport transfer

Pre-book a ride from the airport to your stay – or compare with a taxi or public transport on arrival.

Find a transfer →

Tours & tickets

Attractions, tours and activities in Japan – compare prices on more than one site.

Browse Klook →
orTiqets

Flight delayed?

3+ hours late or cancelled? Up to €600 per passenger under EU261, depending on distance.

Check claim (AirHelp) →
EU261 calculator

Affiliate links: TripUtils may earn a commission at no extra cost to you. Affiliate disclosure. TripUtils does not show live prices.

Example: if €1 buys 38 THB, enter 38. Copy this from a rate site or your banking app.
Use the fees from your own card contract. A 0% travel card still needs a mid-market rate. This is not a ranking of banks or apps.

Assumptions and sources

You enter the mid-market rate. TripUtils does not fetch rates. DCC is not modelled — decline conversion at the terminal.

These are planning ranges, not live prices.

Also useful

eSIM JapanRoaming in JapanCard vs ATM in JapanPlugs in JapanJapan budget

Common questions

Should I accept a charge in my home currency?

If the terminal already prices the sale locally, pay locally. A conversion offer is Dynamic Currency Conversion.

Which ATM is cheapest?

TripUtils does not rank ATM networks. Read the fee on the screen, then type that number in.