🏦ATM Guide

Fee breakdowns, withdrawal limits, and card compatibility rules.

Recommended ATMs

7-Bank (7-Eleven) & E-Net (FamilyMart): Offer 24/7 English interfaces, accept foreign debit networks (Plus, Cirrus, Visa, Mastercard), and have excellent availability.

ATMs to Avoid

Traditional Japanese Banks (Mizuho, MUFG): Frequently reject foreign chip cards, charge high base rates, and close completely during national holidays.

Fee Comparison Matrix

7-Bank (7-Eleven)Best foreign debit support

¥110 (under ¥10k) | ¥220 (over ¥10k)

Japan Post Bank (Post Office)Often closed on weekends

¥220 flat fee

Action Step: Select “Receive in JPY”

Always select "Receive in JPY" (Local Currency) if the ATM screen asks you to choose a conversion rate. Selecting your home currency activates dynamic currency conversion (DCC), hitting you with a hidden 5% to 10% markup.