Money & Payments in Japan
Learn how to pay in Japan using cash, credit cards, and digital payments.
How Payments Work in Japan?
Japan is a mix of cash-based and cashless transactions. While major cities accept credit cards, some places still prefer cash.
💳 Credit Cards Accepted
Visa, MasterCard, and American Express are widely accepted in hotels, department stores, and chain restaurants.
💴 Cash is Still King
Many small shops, street vendors, and rural areas still prefer cash payments, so carrying yen is recommended.
📱 Digital Payments Growing
Apps like Suica, PayPay, and LINE Pay are gaining popularity, especially in urban areas.
Payment Methods in Japan
Japan offers multiple payment options, but availability varies by location. Here’s what you need to know:
💳 Credit & Debit Cards
Visa, MasterCard, and American Express are accepted in most urban areas but may not be used in smaller shops.
💴 Cash (Japanese Yen)
Many restaurants, local markets, and rural areas still prefer cash, so carrying some yen is essential.
🚇 IC Cards (Suica, PASMO, ICOCA)
Prepaid IC cards can be used for trains, buses, vending machines, and even some shops.
📱 Mobile Payments (PayPay, LINE Pay)
Digital payments are growing in Japan, but they are mostly used by locals with Japanese bank accounts.
Where to Exchange Money in Japan?
Japan is still a cash-based society in many areas, so knowing where to exchange money is essential.
🏦 Banks & Post Offices
Banks and Japan Post branches offer reliable currency exchange but may have limited operating hours.
✈️ Airports
Major airports have currency exchange counters, but rates may not be the best. Convenient for quick cash upon arrival.
💳 ATMs (7-Eleven & Post Office)
ATMs at 7-Eleven, Japan Post, and Lawson accept international cards for easy cash withdrawals.
💱 Currency Exchange Shops
Located in cities like Tokyo and Osaka, these offer competitive rates but may charge fees.
Tipping Culture in Japan
Unlike many other countries, tipping is not expected in Japan. In fact, it can sometimes be considered rude.
🚫 No Tipping Required
Restaurants, taxis, and hotels do not require tipping. Good service is already included in the price.
🛎️ Luxury Ryokan & Private Guides
For high-end ryokan or private tour guides, offering a small tip in an envelope (お心付け) is appreciated.
💳 Service Charges Included
Many upscale restaurants and hotels already include a service charge, so there’s no need to tip extra.
Frequently Asked Questions
Find answers to common questions about money and payments in Japan.
Major credit cards (Visa, MasterCard, AMEX) are accepted in most urban areas, but cash is still required in rural areas, small shops, and some restaurants.
ATMs at 7-Eleven, Japan Post, and some convenience stores accept international cards. However, many bank ATMs do not support foreign cards.
Currency exchange rates are often better in Japan, especially at airport kiosks or currency exchange shops in major cities.
Yes! IC cards such as Suica and PASMO can be used for transportation, vending machines, convenience stores, and even some restaurants.
No, tipping is not expected in Japan. In high-end ryokan or private tours, a small tip in an envelope may be appreciated.
Plan Your Trip to Japan with Confidence!
Explore more travel guides to help you navigate Japan smoothly: