Tokyo

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ATMs

Sections

1. Currency Options

  • Currency Dispensed: ATMs in Tokyo dispense Japanese Yen (JPY), as Japan is a cash-centric society. Foreign currencies are not dispensed at standard ATMs.
  • Currency Exchange: If you need to exchange foreign currency, youโ€™ll need to visit a currency exchange counter at airports, major train stations, or banks.

2. ATM Brands and Locations

Not all ATMs in Japan accept international cards, so itโ€™s important to know which ones do. Here are the most reliable options for international visitors:

Convenience Store ATMs

  • 7-Eleven ATMs: Found in 7-Eleven convenience stores, these ATMs are the most foreigner-friendly. They accept a wide range of international cards, including Visa, Mastercard, American Express, JCB, UnionPay, and Cirrus.
  • FamilyMart and Lawson ATMs: These convenience stores also have ATMs that often accept international cards, though compatibility may vary slightly.

Bank ATMs

  • Japan Post Bank (JP Bank): Located in post offices across Tokyo, these ATMs are highly reliable for international cards. They offer English-language support and are widely available.
  • SMBC (Sumitomo Mitsui Banking Corporation): Some branches have ATMs that accept international cards, but not all do. Look for signage indicating compatibility.
  • MUFG Bank and Mizuho Bank: These banks also have ATMs that may accept international cards, but they are less common than 7-Eleven or JP Bank ATMs.

Airport ATMs

  • ATMs at Narita International Airport and Haneda Airport are equipped to handle international cards. These are convenient for withdrawing cash upon arrival.

Tourist Areas

  • ATMs in major tourist areas like Shinjuku, Shibuya, Ginza, and Asakusa are more likely to support international cards. Look for 7-Eleven stores or JP Bank ATMs in these areas.

3. Fees and Withdrawal Limits

  • ATM Fees: Fees vary depending on your home bank and the ATM operator. Japanese ATMs typically charge a small fee (ยฅ100โ€“ยฅ300) for international transactions, especially outside regular banking hours.
  • Home Bank Fees: Your home bank may also charge a foreign transaction fee or currency conversion fee. Check with your bank before traveling.
  • Withdrawal Limits: Most ATMs in Tokyo allow withdrawals of up to ยฅ50,000โ€“ยฅ100,000 per transaction (approximately $330โ€“$660 USD), depending on the ATM and your cardโ€™s limit. Some ATMs may allow higher amounts, but this depends on your bankโ€™s policies.

4. Compatibility with International Cards

  • Accepted Cards: Most ATMs that cater to international users accept Visa, Mastercard, American Express, JCB, UnionPay, and Cirrus/Maestro cards.
  • Chip and PIN: Ensure your card has a chip and PIN, as this is the standard in Japan. Magnetic stripe cards may not work.
  • Card Activation: Notify your bank before traveling to Japan to ensure your card is activated for international use.

5. Instructions on Usage

Using an ATM in Tokyo is straightforward, and many machines offer English-language support. Hereโ€™s a step-by-step guide:

  1. Insert Your Card: Insert your card into the ATM. Some machines may require you to swipe or insert the card with the chip facing up.
  2. Select Language: Choose your preferred language (English is almost always an option).
  3. Enter Your PIN: Input your 4-digit PIN. If your PIN is longer than 4 digits, it may not work.
  4. Select Transaction Type: Choose "Withdrawal" or another option as needed.
  5. Choose Account Type: Select "Savings" or "Checking" (if prompted).
  6. Enter Amount: Input the amount you wish to withdraw in yen.
  7. Confirm Transaction: Review the details and confirm the transaction.
  8. Collect Cash and Receipt: Take your cash, card, and receipt before leaving.

6. English-Language Support

  • On-Screen Instructions: Most ATMs that accept international cards provide English-language instructions.
  • Customer Support: If you encounter issues, 7-Eleven ATMs and JP Bank ATMs often have a customer service hotline with English-speaking operators. Look for the phone number on the ATM screen or nearby signage.

7. Cultural Considerations

  • Cash is King: Japan is still a cash-heavy society, especially in smaller shops, restaurants, and rural areas. Always carry some cash, as not all establishments accept credit cards.
  • Politeness: If youโ€™re using an ATM in a busy area, be mindful of others waiting in line. Complete your transaction quickly and step aside to organize your cash or belongings.
  • Cleanliness: Japanese ATMs and their surroundings are typically very clean. Avoid leaving trash or receipts behind.

8. Safety Tips

  • Secure Your PIN: Shield the keypad when entering your PIN to prevent others from seeing it.
  • Avoid Late-Night Withdrawals: While Tokyo is generally safe, itโ€™s best to use ATMs in well-lit, populated areas, especially at night.
  • Check for Skimming Devices: Although rare in Japan, itโ€™s always a good idea to inspect the card slot for any unusual attachments.
  • Keep Receipts: Retain your ATM receipts until youโ€™ve confirmed the transaction on your bank statement.

9. Recommendations

  • Best Option for Tourists: 7-Eleven ATMs are the most convenient and reliable for international visitors. They are open 24/7 and widely available across Tokyo.
  • Backup Option: JP Bank ATMs are a great alternative, especially if youโ€™re near a post office.
  • Plan Ahead: If youโ€™re traveling to rural areas outside Tokyo, withdraw enough cash in advance, as ATMs that accept international cards may be scarce.

By following this guide, youโ€™ll be well-prepared to use ATMs in Tokyo with ease. If you have further questions or need assistance while in Tokyo, feel free to ask!