Japan operates almost exclusively on its national currency, the Japanese yen (¥/JPY), and unlike some tourist destinations around the world, it does not generally accept foreign currencies—including US dollars—for everyday transactions.
The Japanese yen has been the official currency of Japan since 1871, following the Meiji Restoration when Japan modernized its financial system.
This long-established monetary tradition has created a strong national identity tied to the yen, with denominations including ¥1, ¥5, ¥10, ¥50, ¥100, and ¥500 coins, and ¥1,000, ¥5,000, and ¥10,000 banknotes.
Japan remains predominantly a cash-oriented society, despite being technologically advanced in many other respects. This cash preference stems from cultural values around financial privacy, security, and tangibility.
Many Japanese people prefer the physical exchange of money and the clear boundaries it creates in transactions. As a result, even small purchases like a ¥100 bottle of water or a ¥500 train ticket typically require cash payment.
There are several key reasons why USD and other foreign currencies aren’t widely accepted:
- Limited demand for foreign currency handling – Most Japanese businesses serve primarily domestic customers, so there’s little incentive to deal with currency conversion complexities
- Exchange rate fluctuations – Accepting foreign currencies would expose merchants to exchange rate risks and require constant rate monitoring
- Training and systems limitations – Most point-of-sale systems are designed exclusively for yen transactions, and staff aren’t trained to handle foreign currency calculations
- Cultural emphasis on conformity – Japan’s business culture values standardized practices, and deviating from yen-based transactions would be considered unusual
- Regulatory considerations – Businesses accepting foreign currencies face additional financial reporting requirements
Even in popular tourist districts like Tokyo’s Akihabara or Kyoto’s Gion, you’ll find that cash registers are calibrated only for yen, and staff will politely direct you to nearby currency exchange services if you attempt to pay with dollars.
This cash dependence extends beyond retail to restaurants, transportation, and even accommodation in smaller establishments.
While luxury hotels and major department stores might accept credit cards, the expectation throughout most of Japan is that you’ll pay with physical yen currency.
Understanding this fundamental aspect of Japanese financial culture is essential for travelers planning a visit. Rather than hoping to use USD, successful travelers prepare by exchanging currency before their trip or immediately upon arrival.
Where and When to Exchange USD for Japanese Yen
Japan remains predominantly a cash-based society, making it essential to have Japanese yen on hand throughout your trip. Knowing where and when to exchange your USD for yen can save you significant money and hassle during your travels.
Compare Currency Exchange Options
Different venues offer varying rates and convenience levels when exchanging USD for yen:
Airport Exchange Counters
- Convenience: ★★★★★ (Available immediately upon arrival)
- Exchange Rates: ★★☆☆☆ (Generally 3-5% worse than market rates)
- Best for: Getting a small amount of yen immediately upon arrival
Banks in Japan
- Convenience: ★★★☆☆ (Limited hours, may require paperwork)
- Exchange Rates: ★★★★☆ (Better than airports, close to market rates)
- Best for: Exchanging larger sums at reasonable rates
Japan Post Offices
- Convenience: ★★★★☆ (Widespread locations, consistent service)
- Exchange Rates: ★★★★☆ (Competitive rates, minimal fees)
- Best for: Reliable exchanges in most areas of Japan
Licensed Currency Exchange Offices
- Convenience: ★★★☆☆ (Found in tourist areas and major cities)
- Exchange Rates: ★★★☆☆ (Varies widely by location)
- Best for: Comparing rates in competitive tourist areas
Online Currency Services
- Convenience: ★★★☆☆ (Requires advance planning)
- Exchange Rates: ★★★★★ (Often the best available rates)
- Best for: Planning ahead for the best possible rates
Typical Exchange Rates and Fees
When exchanging USD for yen, you’ll encounter several potential costs:
| Fee Type | Description | Typical Cost |
|---|---|---|
| Exchange rate margin | The difference between the market rate and offered rate | 2-8% of total exchange |
| Service fee | Direct fee charged for exchange service | $3-10 per transaction |
| Commission | Percentage-based fee on exchange amount | 1-3% of exchanged amount |
Pro tip: Exchange services advertising “zero commission” often compensate by offering less favorable exchange rates. Always calculate the total amount of yen you’ll receive per dollar to make fair comparisons.
Recommended Timing for Exchanges
The timing of your currency exchange can significantly impact your travel budget:
- 1-2 weeks before travel: Ideal for online currency services or your home bank
- At departure airport: Convenient but costly; exchange only what you need for immediate expenses
- Upon arrival in Japan: Good balance of convenience and reasonable rates at Japan Post or Japanese banks
- Throughout your trip: Exchange in smaller amounts as needed to avoid carrying excess cash
Benefits of Exchanging Before Travel vs. in Japan
Pre-Travel Exchange Benefits:
- Peace of mind knowing you have currency upon arrival
- Ability to shop around for better rates without time pressure
- Avoiding long lines at airport exchange counters
- Protection against unexpected rate fluctuations
In-Japan Exchange Benefits:
- Often better exchange rates than in your home country
- No need to carry large amounts of cash while traveling
- Flexibility to exchange only what you need
- Access to competitive rates in major tourist areas
“I always exchange about $100 worth of yen before my trip for immediate needs, then use ATMs and exchange offices in Japan for the rest. This gives me the best combination of convenience and good rates.” — Experienced Japan traveler
For most travelers, a hybrid approach works best: exchange a small amount (¥10,000-20,000) before departure for immediate needs upon arrival, then use ATMs and exchange services in Japan for the bulk of your currency needs.
Also Read: How Much Cash Can You Take To Japan & Can You Use Credit Card In Japan
Finding and Using ATMs in Japan as a Foreign Traveler
Japan’s reputation as a cash-based society means that access to ATMs is essential for foreign travelers. However, not all Japanese ATMs accept international cards, which can lead to frustrating experiences if you’re unprepared. Here’s everything you need to know about using ATMs in Japan with foreign cards.
International-friendly ATMs
While many Japanese bank ATMs don’t accept foreign cards, several options cater specifically to international visitors:
7-Eleven ATMs are the gold standard for travelers. Located in over 26,000 7-Eleven convenience stores across Japan, these machines reliably accept foreign cards, offer an English interface, and are available 24/7 in most locations. Look for the green “7 Bank” ATM machines inside any 7-Eleven store.
Japan Post Bank (JP Bank) ATMs are another excellent option, found in post offices throughout the country. These machines accept most major international cards and provide English-language options. The distinctive red “JP” logo makes them easy to spot.
Prestia (formerly Citibank) ATMs are less common but extremely reliable for international cards. They typically offer higher withdrawal limits and can be found in major cities and tourist areas.
Other international-friendly options include Aeon Bank ATMs (often in shopping malls) and Lawson Bank ATMs (in Lawson convenience stores).
Withdrawal Limits
ATM withdrawal limits in Japan typically fall into two categories:
- Machine limits: Most ATMs in Japan have a per-transaction limit of ¥50,000 to ¥100,000 (approximately $330-$660). 7-Eleven ATMs generally allow up to ¥100,000 per transaction.
- Daily limits: These are set by your home bank or card issuer, not the Japanese ATM. Check with your bank before traveling, as daily limits typically range from $300-$1,000.
For larger cash needs, you can make multiple withdrawals throughout the day (up to your card’s daily limit) or visit a currency exchange office instead.
International Card Compatibility
Not all cards work equally well in Japan. Here’s what you need to know:
- Visa and Mastercard have the highest acceptance rates at international-friendly ATMs.
- American Express and Discover are accepted at 7-Eleven ATMs and some other locations, but with less reliability.
- Maestro and Cirrus network cards typically work at 7-Eleven and JP Bank ATMs.
- UnionPay cards from China have good acceptance rates throughout Japan.
Before traveling, ensure your card:
- Has a 4-digit PIN (some Japanese ATMs don’t accept longer PINs)
- Is activated for international use (contact your bank)
- Has a chip (chip-and-PIN or chip-and-signature)
Fees for Foreign Cards
Using ATMs in Japan with foreign cards typically involves multiple fees:
- Local ATM fees: 7-Eleven ATMs charge ¥108-¥216 (approximately $0.70-$1.40) per transaction. Japan Post Bank charges similar fees.
- Foreign transaction fees: Your home bank typically charges 1-3% of the withdrawal amount for currency conversion.
- International ATM fees: Many banks charge an additional $2-$5 per overseas ATM withdrawal.
- Dynamic Currency Conversion (DCC): Some ATMs offer to convert the transaction to your home currency. Always decline this option as it includes hidden fees and poor exchange rates.
To minimize fees, consider making fewer, larger withdrawals rather than multiple small ones, or use cards specifically designed for international travel with reduced foreign transaction fees.
ATM Operating Hours
ATM availability varies significantly:
- 24/7 access: Most 7-Eleven ATMs operate around the clock, making them the most reliable option for emergency cash.
- Limited hours: Japan Post Bank ATMs typically operate from 8:30 AM to 7:00 PM on weekdays, with reduced weekend hours (9:00 AM to 5:00 PM). Some close completely on Sundays and holidays.
- Regional variations: ATMs in rural areas often have more restricted hours than those in major cities.
- Maintenance periods: Japanese ATMs occasionally go offline for maintenance, typically late at night or early morning.
During Japanese holidays, especially during the New Year period (December 29-January 3) and Golden Week (late April to early May), many bank ATMs have limited availability. Plan accordingly by withdrawing extra cash before these periods.
For late-night emergencies, 7-Eleven ATMs remain your most reliable option, with convenience stores located throughout urban and suburban areas.
Using Credit and Debit Cards in Japan
Japan has long maintained a reputation as a cash-based society, though this has been gradually changing in recent years.
For travelers accustomed to swiping or tapping their cards for every purchase, understanding where cards are accepted—and where they aren’t—is essential for a smooth experience in Japan.
Places Where Credit Cards Are Commonly Accepted
Credit and debit cards enjoy widespread acceptance in certain sectors of the Japanese economy:
- Major hotels and ryokans (traditional Japanese inns) in urban areas
- Department stores and shopping malls like Isetan, Takashimaya, and Mitsukoshi
- Chain restaurants and international fast-food outlets
- Large electronics stores such as Bic Camera and Yodobashi Camera
- Major train stations for purchasing reserved seats and shinkansen (bullet train) tickets
- Tourist attractions and popular museums in major cities
- High-end restaurants in Tokyo, Osaka, Kyoto, and other large cities
- International brand retail stores like Uniqlo, H&M, and Apple
Many of these establishments have embraced card payments to cater to international tourists, especially since the Japanese government has been actively promoting cashless payments in preparation for international events.
Establishments That Typically Only Accept Cash
Despite progress toward cashless options, many businesses in Japan still operate on a cash-only basis:
- Traditional markets and food stalls
- Small family-run restaurants and izakayas (Japanese pubs)
- Local shops outside of major tourist areas
- Vending machines (though some newer models accept contactless payments)
- Taxis in smaller cities and rural areas (though major cities increasingly accept cards)
- Buddhist temples and Shinto shrines for entrance fees and omamori (charms)
- Local buses and some regional transportation services
- Coin lockers at train stations and public facilities
When visiting these establishments, having Japanese yen on hand is not just recommended—it’s often necessary. Many small business owners avoid card payments due to transaction fees and a cultural preference for cash.
Card Types with Highest Acceptance Rates
Not all credit cards enjoy equal acceptance in Japan. The hierarchy of card recognition typically follows:
- Visa and Mastercard – Highest acceptance rate across Japan
- JCB – Japan’s domestic card brand, widely accepted
- American Express – Accepted at higher-end establishments but less common overall
- Discover – Limited acceptance, primarily at places that cater to international tourists
- UnionPay – Growing acceptance, especially in areas frequented by Chinese tourists
For travelers planning to rely on cards, bringing a Visa or Mastercard as your primary payment method offers the best chance of acceptance. Many establishments will display stickers near their entrance or cash register indicating which cards they accept.
Potential Foreign Transaction Fees
Using your home country’s credit or debit cards in Japan can incur several types of fees:
| Fee Type | Typical Range | Notes |
|---|---|---|
| Foreign Transaction Fee | 1-3% | Applied by your card issuer on purchases made abroad |
| Currency Conversion Fee | 0-3% | Additional charge for converting currencies |
| ATM Withdrawal Fee | $2-5 + percentage | Fixed fee plus percentage of withdrawal amount |
| Dynamic Currency Conversion | 3-7% markup | When merchants offer to charge in your home currency (usually a poor rate) |
To minimize these costs:
- Use cards with no foreign transaction fees – Many travel-oriented credit cards waive these fees
- Decline dynamic currency conversion – Always choose to be charged in Japanese yen rather than your home currency
- Notify your bank before traveling to prevent security blocks on your card
- Consider a multi-currency card or specialized travel card that offers favorable exchange rates
For longer stays, some travelers open a Japanese bank account or use financial services like Wise (formerly TransferWise) that offer more competitive exchange rates than traditional banks.
Pro tip: Even if you plan to use cards extensively, always keep at least ¥10,000-¥20,000 in cash for establishments that don’t accept cards or for emergencies when card systems might be down.
Where USD Might Be Accepted in Japan (But Why You Shouldn’t Use It)
While Japanese yen is the standard currency throughout Japan, there are a few exceptional circumstances where US dollars might be accepted. However, these situations are limited and often come with significant drawbacks.
Tourist Areas That Occasionally Accept USD
Some high-traffic tourist destinations in Japan occasionally accept US dollars, particularly in Tokyo, Kyoto, and Osaka. These typically include:
- Luxury shopping districts like Ginza in Tokyo, where high-end international brands may accept major foreign currencies
- Popular tourist attractions with large volumes of international visitors
- Airport shops at Narita, Haneda, and Kansai International Airports
However, even in these tourist-friendly locations, acceptance of USD is inconsistent and cannot be relied upon. Most shops and restaurants in tourist areas still operate exclusively with yen, and those that do accept dollars typically offer very poor exchange rates.
Areas Near US Military Bases
The areas surrounding American military installations in Japan represent the most likely places where USD might be accepted:
- Okinawa – particularly near Kadena Air Base and Camp Foster
- Yokosuka in Kanagawa Prefecture, home to a major US Naval base
- Yokota in western Tokyo, location of Yokota Air Base
- Sasebo in Nagasaki Prefecture, site of a US Navy base
Businesses in these areas often cater to American military personnel and their families, making them more likely to accept US dollars. However, these represent very specific geographical areas that most tourists won’t visit during their travels.
International Hotels
Some international hotel chains and luxury accommodations in major cities may accept payment in US dollars, particularly for:
- Room charges at check-in or check-out
- Restaurant bills within the hotel
- Concierge services and tour bookings
This acceptance is primarily a convenience for international business travelers and is not standard practice across all hotels. Even at international chains, you’ll typically receive a much better rate by paying in yen.
Disadvantages of Using USD Even When Accepted
Even in the rare instances where USD is accepted, there are significant drawbacks:
| Disadvantage | Explanation |
|---|---|
| Poor Exchange Rates | Businesses that accept USD typically offer exchange rates 10-20% worse than official rates |
| Limited Change Options | You’ll likely receive change in yen, not USD, creating a mix of currencies |
| Confusion Over Pricing | Prices converted to USD may be rounded up significantly |
| Limited Acceptance | Even if one shop accepts USD, neighboring businesses likely won’t |
| Potential for Errors | Staff unfamiliar with foreign currency may make mistakes in calculations |
“Even when USD is technically accepted, you’re essentially paying a premium for the convenience of not exchanging your money properly. It’s almost always more economical to use Japanese yen for all transactions in Japan.”
The bottom line is that while you might find isolated instances where USD is accepted, relying on this as a strategy for your Japan trip will lead to frustration and financial disadvantage.
Converting your dollars to yen remains the most practical and economical approach for traveling in Japan.
Digital Payment Options in Japan
Japan may be known as a cash-centric society, but the country has been rapidly adopting various digital payment methods that can make life easier for travelers.
Understanding these options can help you minimize the need to carry large amounts of cash while still navigating Japan comfortably.
IC Cards: Your Best Travel Companion
IC cards like Suica and PASMO are among the most convenient payment methods for visitors to Japan. These rechargeable smart cards were originally designed for public transportation but have evolved into versatile payment tools.
Suica, issued by JR East, and PASMO, issued by Tokyo Metro and private railway companies, function identically despite being offered by different companies. Here’s why they’re invaluable:
- Seamless transit: Tap to ride trains, buses, and subways across most major cities
- Widespread acceptance: Use at convenience stores, vending machines, some restaurants, and many retail shops
- No transaction fees: Unlike credit cards, there are no foreign transaction fees
- Convenience: Avoid fumbling with coins and small bills
- Easy to reload: Add money at station machines, convenience stores, or with a compatible smartphone
You can purchase these cards at train stations with an initial fee of ¥1,000 (includes ¥500 deposit and ¥500 initial balance). When leaving Japan, you can return the card for a refund of the deposit, minus a small handling fee.
Mobile Payment Services for Tourists
Several mobile payment services have become increasingly available to foreign visitors:
- Mobile Suica/PASMO: International visitors can now add Suica or PASMO to their Apple Wallet or Google Pay, eliminating the need for a physical card. This requires:
- A compatible smartphone (iPhone 8 or newer/select Android devices)
- Setting up the respective app
- A credit card that works with the service
- Visitor-friendly services:
- Japan Pay: Specifically designed for tourists with English support
- J-Coin Pay: Offers English interface and can be linked to foreign credit cards
- d Payment: Gaining popularity with tourist-oriented businesses
Apple Pay and Google Pay in Japan
Apple Pay and Google Pay have seen increasing adoption in Japan, particularly in:
- Major department stores
- Electronics retailers
- Chain restaurants
- Hotels and tourist attractions
To use these services in Japan:
- Ensure your cards are properly set up before traveling
- Look for contactless payment symbols at registers
- Be aware that some terminals may only accept Japanese-issued cards through these services
Note: Many smaller establishments still don’t accept these payment methods, so don’t rely on them exclusively.
QR Code Payment Systems
QR code payment services have exploded in popularity among Japanese residents, with the major players being:
| Service | Accessibility for Tourists | Where It’s Accepted |
|---|---|---|
| PayPay | Requires Japanese phone number | Most widespread acceptance |
| LINE Pay | Can be used with international account | Popular in urban areas |
| Rakuten Pay | Requires Japanese residency | Large retailers |
| Alipay | Available to existing users | Tourist areas, department stores |
| WeChat Pay | Available to existing users | Tourist-heavy locations |
Unfortunately, most of these services have limitations for short-term visitors, often requiring:
- Japanese phone numbers
- Japanese bank accounts
- Resident registration
However, if you already use Alipay or WeChat Pay in your home country, you’ll find these increasingly accepted in tourist areas, particularly in shops catering to Asian visitors.
Despite the growing availability of digital payment options, it’s still essential to carry Japanese yen for many situations. These digital options should complement, not replace, having cash on hand during your travels in Japan.
Practical Money Management Tips for Travelers in Japan
When traveling in Japan, having the right amount of cash in the correct denominations can make your journey significantly smoother. Since Japan remains largely a cash-based society, particularly outside major tourist areas, proper preparation is essential.
Suggested Cash Amounts to Carry
For travelers to Japan, it’s advisable to carry between ¥10,000-¥30,000 (approximately $70-$200) per person per day depending on your spending habits and itinerary. This amount should cover your daily expenses including:
- Meals: ¥3,000-¥8,000 per day
- Local transportation: ¥1,000-¥2,000 per day
- Entrance fees to attractions: ¥500-¥3,000 each
- Small souvenirs and incidentals: ¥2,000-¥5,000 per day
If you’re staying in major cities and using credit cards at hotels and department stores, you can lean toward the lower end of this range. However, if you’re exploring rural areas or planning to dine at local establishments, carrying more cash is recommended.
Denominations to Request
When exchanging money for Japanese yen, request a mix of the following denominations:
| Denomination | Quantity | Purpose |
|---|---|---|
| ¥10,000 notes | A few | Major purchases, hotel payments |
| ¥5,000 notes | Several | Restaurants, shopping |
| ¥1,000 notes | Many | Daily transactions, small purchases |
| ¥500 coins | 5-10 | Vending machines, train tickets |
| ¥100 coins | 10-15 | Vending machines, lockers, small purchases |
| Smaller coins | A few of each | Exact change for stores |
Having smaller denominations is particularly important as some small shops and vendors may struggle to provide change for ¥10,000 notes, especially early in the day.
Security Tips
Japan is known for its safety, but it’s still important to protect your money:
- Split your cash between different locations (wallet, hotel safe, hidden pocket)
- Keep a small amount in an easily accessible wallet for daily expenses
- Photograph your important documents and store digitally
- Be discreet when handling large amounts of cash
- Use ATMs inside banks or convenience stores rather than on the street
- Notify your bank of your travel dates to prevent card blocks
- Save receipts from currency exchanges in case you need to exchange yen back
“Japan may be one of the safest countries for travelers, but basic precautions with your cash will ensure your trip remains worry-free.”
Money Belt Recommendations
While Japan’s low crime rate means many travelers feel comfortable without money belts, they can still provide peace of mind:
- Slim waist belts that fit under clothing are ideal for carrying extra cash and important documents
- RFID-blocking neck pouches protect both your cash and credit card information
- Under-clothing thigh or ankle wallets provide discreet storage for larger amounts
- Hidden pocket scarves or clothing with built-in secure compartments offer convenience without sacrificing style
The best options are those that are comfortable enough to wear all day and don’t require frequent public access.
Emergency Options if You Run Out of Cash
Even with careful planning, financial emergencies can happen. If you find yourself short on cash in Japan:
- Locate international ATMs at:
- 7-Eleven convenience stores (most reliable for foreign cards)
- Japan Post Bank branches
- International airports
- Major train stations
- Wire transfer services:
- Western Union locations (limited but available in major cities)
- MoneyGram services at select banks
- Embassy assistance:
- Your country’s embassy can often provide emergency assistance or direct you to resources
- Credit card cash advances:
- Available at many Japanese ATMs, though higher fees apply
- Ask your hotel for assistance or recommendations for nearby exchange services
Remember that in emergency situations, major hotels can often provide assistance with currency exchange or accepting credit card payments even if you’re not a guest.
By planning ahead and knowing your options, you can handle your finances confidently throughout your Japanese adventure, focusing on enjoying your trip rather than worrying about money matters.
Common Money Mistakes to Avoid When Using USD in Japan
When traveling to Japan, how you handle your money can significantly impact your experience.
While we’ve established that you can’t directly use USD for most transactions, there are several common mistakes travelers make when dealing with currency exchange and payments in Japan. Avoiding these pitfalls will save you time, money, and frustration during your trip.
Unfavorable Exchange Locations to Avoid
Not all currency exchange options offer equal value, and some locations consistently provide poor rates that can significantly diminish your travel budget:
- Airport currency exchange counters often offer some of the worst rates, sometimes 5-10% below the market rate. While convenient, they come with a premium cost.
- Tourist area exchange booths in places like Akihabara, Shinjuku, and Shibuya frequently advertise “no commission” but compensate with unfavorable exchange rates.
- Hotels typically provide currency exchange as a convenience service rather than a competitive offering, with rates that can be 7-12% below market value.
- Cruise ship exchanges are notoriously expensive, often charging hidden fees and offering poor rates.
Instead, seek out Japan Post Bank branches, major Japanese banks like SMBC or Mizuho, or 7-Eleven ATMs for better rates and lower fees.
Timing Mistakes
When you exchange your USD can significantly impact how much yen you receive:
- Waiting until the last minute to exchange currency often forces you to accept whatever rate is available, regardless of value.
- Exchanging all your money at once exposes you to a single exchange rate, which might not be optimal.
- Ignoring exchange rate trends before your trip can mean missing opportunities to exchange when rates are more favorable.
Consider exchanging a small amount before your trip for immediate needs upon arrival, then seeking better rates at Japanese banks or post offices for the bulk of your currency needs.
Denominations to Avoid Requesting
Not all yen denominations are equally practical for travelers:
- ¥10,000 notes (approximately $67) can be difficult to use for small purchases, and some merchants may be reluctant to provide change for large bills.
- ¥1 and ¥5 coins have limited usefulness and add unnecessary weight to your wallet.
Instead, request a mix of:
- ¥1,000 notes (ideal for small purchases)
- ¥5,000 notes (good middle ground)
- ¥100 and ¥500 coins (useful for vending machines, train tickets, and small items)
Not Informing Your Bank About Travel Plans
One of the most frustrating experiences is having your card declined while traveling:
- Sudden international transactions often trigger fraud alerts, causing your bank to block your card.
- After-hours card blocks can be especially problematic due to time zone differences between Japan and your home country.
- Verification calls or texts may not reach you if you don’t have international service.
Always notify your bank and credit card companies about your travel dates and destination at least a week before departure. Set up travel notifications through your banking app or website, and ensure your contact information is current.
Relying Solely on Cards
While it might work in many countries, an all-card strategy is risky in Japan:
- Many smaller restaurants, shops, and ryokans accept only cash payments.
- Rural areas and traditional markets rarely have card payment infrastructure.
- Transportation outside major cities often requires cash, especially for buses and taxis.
- Unexpected technical issues with card readers can leave you stranded if you have no cash backup.
A balanced approach works best in Japan: carry enough cash for daily expenses while keeping cards for larger purchases and emergencies. A good rule of thumb is to have at least ¥10,000-¥20,000 (approximately $67-$134) in cash each day you’re exploring.