ATMs That Accept Foreign Cards in Japan (7-Eleven, Post Office)
Quick answer
Use 7-Eleven (Seven Bank) or Japan Post Bank ATMs. Both accept most foreign cards, have English menus, and open long hours. As of June 2026, expect a small ATM fee plus your home bank's charges.
Which ATM should I use with a foreign card?
Not every ATM in Japan takes foreign cards, but two are reliable and easy to find. Use this quick guide to pick one.
| ATM | Where to find it | Foreign cards | Hours (as of June 2026) |
|---|---|---|---|
| 7-Eleven (Seven Bank) | Inside 7-Eleven stores, nationwide | Yes, very reliable | Almost 24 hours |
| Japan Post Bank | Post offices, some stations | Yes, reliable | Post office hours; limited at night/weekends |
| FamilyMart / Lawson ATMs | Those convenience stores | Often yes | Long hours; varies |
| Japanese bank ATMs | Bank branches | Not always | Often closed evenings |
For most travelers, a 7-Eleven ATM is the simplest choice: there are many, they are open nearly all day, and they have clear English menus.
How do I withdraw cash, step by step?
The menus are available in English, so the process is straightforward. As of June 2026:
- Insert your card into a 7-Eleven (Seven Bank) or Japan Post Bank ATM.
- Choose English from the language options on screen.
- Select withdrawal (sometimes shown as “Drawing cash” or “Withdraw”).
- Choose the account type. For a debit card, try “savings” or “checking”; for a credit card, choose “credit.” Picking the wrong type is a common reason a card is declined.
- Enter your PIN. Use the four-digit PIN tied to your card. If yours is longer, check with your bank before traveling.
- Enter the amount in yen.
- Choose to be charged in yen, not your home currency, for a better rate.
- Take your cash, card, and receipt.
If the machine declines the card, see the troubleshooting section below before trying again.
What fees should I expect?
There are usually two layers of cost: the Japanese ATM fee and your home bank’s charges. As of June 2026:
| Fee source | Typical amount | Notes |
|---|---|---|
| Japanese ATM fee | A few hundred yen per withdrawal | Shown on screen before you confirm |
| Home bank foreign-transaction fee | Varies by bank | Check your bank before traveling |
| Home bank ATM fee | Varies by bank | Some travel cards waive this |
| Bad exchange rate (if you pick home currency) | Hidden cost | Avoid by choosing yen |
To keep costs down, withdraw a larger amount fewer times, choose yen at the ATM, and check whether your bank offers low-fee travel cards before your trip.
Why was my card declined, and what can I do?
A decline is usually fixable. Work through these common causes in order. As of June 2026:
| Likely cause | What to do |
|---|---|
| Wrong account type chosen | Try “savings” or “checking” for a debit card; “credit” for a credit card |
| Bank blocked a foreign transaction | Tell your bank your travel dates in advance, or unblock via your banking app |
| Daily withdrawal limit reached | Wait until the next day, or raise the limit with your bank |
| ATM does not take your network | Try a 7-Eleven or Japan Post ATM, which accept the most networks |
| PIN issue | Confirm your PIN works abroad; some cards need a 4-digit PIN |
| Card not enabled for overseas use | Enable overseas use in your banking app or call your bank |
If one ATM declines your card, try a different reliable ATM (for example, switch from a bank ATM to a 7-Eleven). If every ATM declines it, the issue is likely on your bank’s side, so contact them.
Reference: foreign-card ATMs at a glance
| Item | Detail (as of June 2026) |
|---|---|
| Most reliable ATMs | 7-Eleven (Seven Bank), Japan Post Bank |
| Card networks | Visa, Mastercard, and most major international networks |
| Language | English menus available |
| Best for late night | 7-Eleven (open nearly 24 hours) |
| Typical ATM fee | A few hundred yen per withdrawal |
| Currency choice | Always choose yen, not home currency |
| If declined | Change account type, check bank limits/blocks, try another ATM |
Fees, hours, and accepted networks can change. Check your home bank’s foreign-use fees and limits before you travel, and tell your bank your travel dates so it does not block your withdrawals. Carrying some cash is still wise in Japan, since a few shops and small restaurants do not take cards.
FAQ
Which ATMs in Japan accept foreign cards?
As of June 2026, the most reliable are 7-Eleven (Seven Bank) ATMs, found in 7-Eleven stores nationwide, and Japan Post Bank ATMs in post offices. Many convenience store ATMs at FamilyMart and Lawson also work. They have English menus and accept Visa, Mastercard, and most major international networks.
How much does it cost to withdraw cash with a foreign card?
As of June 2026, the Japanese ATM usually adds a small fee of a few hundred yen per withdrawal. Your home bank may add its own foreign-transaction and ATM fees on top. To save money, withdraw a larger amount fewer times, and check your home bank's fees before you travel.
Why was my foreign card declined at a Japanese ATM?
Common reasons are: your card is set to credit only (try the 'savings' or 'checking' option for a debit card), your bank blocked a foreign transaction, you exceeded a daily limit, or the ATM does not take your card network. Try a 7-Eleven or Japan Post ATM, choose a different account type, or contact your bank.
Are Japanese ATMs open 24 hours?
As of June 2026, 7-Eleven ATMs are open nearly 24 hours and accept foreign cards almost any time. Japan Post Bank ATMs follow post office hours and are more limited at night and on weekends. Bank ATMs often close in the evening. For late-night cash, a 7-Eleven ATM is the safest bet.
Should I choose to be charged in yen or my home currency at the ATM?
Choose yen. If the ATM offers to charge in your home currency (dynamic currency conversion), the exchange rate is usually worse. Picking yen lets your own bank do the conversion, which is normally cheaper. This 'pay in local currency' tip applies to card payments in shops too.