Ultimate Guide to Money in Japan 2025: Currency, ATMs & More

Visiting Japan in 2025? Whether you’re planning a short vacation, a business trip, or a longer stay, understanding the money system in Japan is crucial. While the country is famously advanced in many ways, it still retains a unique blend of cash-based traditions and cutting-edge digital payment systems. This guide will walk you through everything you need to know—from currency and ATMs to payment apps and budgeting tips.

Understanding Japanese Currency

The Yen (¥): Japan’s Official Currency

Japan’s official currency is the yen (JPY), symbolized as “¥. Coins come in denominations of ¥1, ¥5, ¥10, ¥50, ¥100, and ¥500, while banknotes are available in ¥1,000, ¥2,000 (rare), ¥5,000, and ¥10,000 bills. As of 2025, ¥1,000 is roughly equivalent to $6.70 USD or €6.15 EUR, but exchange rates fluctuate, so check a reliable source before you travel.

New Banknotes in 2024–2025

Japan began circulating newly designed banknotes in 2024, featuring advanced anti-counterfeiting features and updated portraits of historical figures. The ¥10,000 note now features Shibusawa Eiichi, a famed industrialist, while the ¥5,000 and ¥1,000 notes depict Umeko Tsuda and Shibasaburō Kitasato, respectively.

How to Get Japanese Yen

Exchanging Money at the Airport

Major international airports like Narita, Haneda, and Kansai have reliable currency exchange counters. Rates here may not be the best, but they are convenient for getting a small amount of yen upon arrival.

Local Banks and Currency Exchange Centers

Banks across Japan offer currency exchange services, though not all branches do. Travelex and other foreign exchange outlets in major cities also provide competitive rates and cater to English-speaking customers.

Bringing Cash to Japan

Bringing a modest amount of your home currency in cash for exchange can be a good idea. However, Japan has strict customs regulations—amounts over ¥1,000,000 (or equivalent) must be declared upon entry.

Using ATMs in Japan

International Card-Friendly ATMs

ATMs that accept international debit and credit cards are widely available in:

7-Eleven convenience stores (open 24/7)
Japan Post Offices
Lawson and FamilyMart stores
Major department stores and airports

These machines typically offer English-language menus and accept Visa, MasterCard, American Express, Cirrus, Maestro, and UnionPay cards.

Withdrawal Fees and Limits

ATM withdrawal fees vary depending on your card issuer and the machine. Expect fees of ¥100–¥250 per transaction, plus any fees charged by your home bank. Most ATMs have withdrawal limits between ¥50,000 and ¥100,000 per transaction.

Credit Cards and Digital Payments

Credit Card Acceptance

Credit card usage is increasing, but Japan is still largely cash-based, especially in rural areas, traditional inns (ryokan), small eateries, and local markets. In major cities, most hotels, department stores, and upscale restaurants accept:

Visa
MasterCard
JCB
American Express

Always carry some cash, just in case.

Mobile Payments and Digital Wallets

Digital payments are surging in popularity. Common mobile payment options include:

PayPay (most widely accepted in Japan)
LINE Pay
Rakuten Pay
Apple Pay (with Visa and MasterCard)
Google Pay

Suica and PASMO cards, originally transit cards, are also accepted as digital wallets in many stores, vending machines, and cafés.

Setting Up Digital Payments as a Tourist

Some mobile payment apps require a Japanese bank account or phone number. However, tourists can often top up Suica/PASMO cards or use prepaid cards without registration. Apple Wallet also supports Suica for iPhone users globally.

Budgeting Tips for Japan

How Much Cash Should You Carry?

For daily expenses like food, transportation, and souvenirs, plan to carry ¥5,000 to ¥10,000 per day. Many visitors opt to keep a larger stash in their hotel safe and carry only what they need.

Tipping in Japan

Tipping is not customary in Japan and may even be refused. Excellent service is standard, and appreciation is shown through verbal thanks rather than money.

Transportation and Transit Cards

Using IC cards like Suica or PASMO makes transit more convenient and sometimes cheaper. These can be topped up at machines and used on trains, buses, taxis, vending machines, and even convenience stores.

Sending and Receiving Money

International Transfers

Western Union, Wise (formerly TransferWise), and WorldRemit are commonly used for sending money to Japan. Some Japanese banks, like Japan Post Bank, also allow you to receive international wire transfers.

Banking as a Long-Term Visitor

If you plan to stay longer than 90 days, consider opening a Japanese bank account with institutions like Shinsei Bank or Sony Bank, which offer English support and online services.

Currency Conversion and Exchange Apps

Recommended Tools

Stay updated on exchange rates with apps like:

XE Currency
Currency Converter Plus
Google Finance (via browser)

These tools help you compare exchange rates and make smart decisions when converting or withdrawing money.

Safety and Security

Is It Safe to Carry Cash in Japan?

Yes. Japan is one of the safest countries in the world. Carrying cash is common, and theft is rare. Still, always exercise basic caution—use a money belt or crossbody bag in crowded places.

Lost Cards or Cash

If you lose your credit or debit card, contact your bank immediately. Japan also has a high rate of returned lost items, so report losses to the nearest koban (police box).

Quick Money Tips for 2025

Always carry cash—especially outside major cities.

Use ATMs at 7-Eleven—they’re the most foreigner-friendly.

Invest in a Suica or PASMO card—they’re convenient and widely accepted.

Don’t tip—it’s not expected and may cause confusion.

Use PayPay or Apple Wallet—where accepted, these make transactions smoother.

Final Thoughts

Japan’s money system in 2025 is a fascinating mix of old and new—cash still reigns in many areas, but digital payment systems are fast gaining ground. Whether you’re grabbing a bite at a ramen stall, shopping in Ginza, or exploring Kyoto’s temples, having a solid understanding of how money works will enhance your travel experience.

Always plan ahead, keep a bit of cash handy, and embrace the options available for seamless transactions during your trip to Japan.