The Ultimate Guide to Debit and Credit Cards in Japan

By  Tyson Batino and Meridian Jordan | Updated October 1, 2019

Here is our ultimate guide on how to get a credit card in Japan as a foreigner. This guide will also cover how to get a Japanese debit card. This ultimate guide is part of our series on helping foreigners with living in Tokyo.

This guide is separated into six sections. You can jump into the section that interests you the most.

Section 1 : Cash Cards and Bank Account in Japan

Section 2 : Debit Cards in Japan

Debit Cards in Japan

How to make a Debit Card in Japan as a Foreigner

Section 3 : Credit Cards in Japan

Credit Cards in Japan

How to Make a Debit Card in Japan as a Foreigner

Beginners Guide to Credit Cards

Section 4 : Accessing Money in Additional Ways

Accessing Currency in Additional Ways

Credit Card in Japan 1

Cash Cards in Japan

Cash cards, also known as ATM cards or bank cards, function as electronic cards that allow you to withdraw money from your bank account. In the past you would’ve had to go to the bank counter in person and show your ID in order to deposit or withdraw cash. However, since the technology has become more advanced, you can deposit and withdraw cash at the ATM instead of having to go to the teller yourself.

Cash and ATM cards are two of the three types of cards that banks issue. As well as the simplest to use. Put simply you can withdraw the maximum amount of money in your bank account and not go over your limit.

Benefits of a Cash Card

Even though Japan is a cash based society, there are many ATMs available where you can take out money from your card. They’re located in convenience stores, banks and they even have their own ATM stores. Luckily in Japan you won’t have any trouble finding an ATM nearby. Japanese ATMs do not accept foreign cash cards. Getting a Japanese cash card is the best bet for a non-cash payment option in Japan.

Making a Bank Account

If you have opened a bank account in your home country, you will understand most of the process to opening a bank account in Japan. The main difference is that most banks in Japan actually do not offer information or registration in English. The base requirements are also a hurdle for new foreigners in Japan because most banks will only allow you to create an account if you have lived in Japan for at least six months. The other requirement is that you have a valid visa to live in Japan.

For those coming on a student visa or work visa, the company who sponsored your visa will usually help you make a bank account. If they are helping you through the process, you can bypass the 6 month rule banks require for other people. For those coming on a working holiday visa or sometimes university student visa, you will have to wait until six months after you arrive to apply for a bank account and cash card.

I do not meet the six month residency requirement.

There used to be two major banks who offered bank accounts to foreigners who do not meet the requirements, but now there is only one. The postal bank is the only place that will offer a bank account to newly arrived foreign residents. The only problem is that they do not have documentation in English and will usually request that you bring a Japanese friend. The general rule of thumb among foreigners is to visit a major post office branch like the one in Shinjuku, Tokyo where they sometimes have English speaking staff available.

Shinsei bank used to be the best option for foreigners because you can do everything in English. However, they now require the six month residency requirement. 7-11 also offers a banking service and a fully fledged English, but they also require the same six month residency requirement.

Additional banking account requirements.

Here is a list of banking account requirements from 7-Bank to give you an idea of what most places are like.

Individuals who have resided in Japan 6 months or longer, with a limit of 1 account per person.

For applicants under the age of 15, identity verification documents (official certificate + receipt or invoice) for the account holder and the identity verification documents and the signature of the parent or guardian are required.

When applying for other services at the same time, applicants must be of age 16 years or older for Debit Service, age 18 years or older for International Money Transfer Service , and age of 20 years or older for Loan Service.

What Banks do not require a Japanese Hanko (seal)?

Major banks like MUFJ, SMBC, and Postal Bank do not require a Japanese hanko, but they do not provide enrollment documents in English. You would need a Japanese speaking friend to help you read and sign the documents. or go into Shinsei Bank and do the English application process.

Is my card a cash card or debit card?

If your card has a JCB / VISA / MASTERCARD / DINERS / SAISON or EPOS hologram on top then it’s a debit card or credit card and not a cash card. Cash cards are through your bank and the other is your bank in a partnership with a payment processing company. Companies like VISA are actually a payment processing company and not a bank like UFJ and other companies.

List of banks in Tokyo

Here is a list of bank in Tokyo. Banks like JP Postal bank, MUFJ, Mizuho, Resona, and SMBC have branches all over Japan. The main thing you need to know is that the only bank the offers banking to newly arrived foreigners is the JP Postal bank unless your company or school makes the bank account for you. Those who have lived here more than 6 months, can make a bank account as long as you have a valid residence visa.

Japanese Post Bank ATM Cash Card/ Japanese Only Online Banking/ No English Customer Support
Mitsubishi UFJ Visa Debit Card + ATM Cash Card/ Online Banking in Japanese Only/ No English Customer Support
Mizuho Bank JCB Debit Card/ Online Banking only in Japanese/ English Customer Support
Shinsei Bank Prepaid Visa Debit Card that can be Topped Off/ Online Banking in English/ English Customer Support
SMBC Visa Debit Card + Cash Card/ Online Banking in Japanese Only/ No English Customer Support
Suruga Bank Visa Debit Card + ATM Cash Card/ Online Banking in Japanese Only/ No English Customer Support
Resona Bank No Debit Cards/ Online Banking in Japanese Only/ No English Customer Support
7-Eleven Bank Card 24/7 ATM Access/ English Website/ English Customer Support
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Debit Cards in Japan

Debit cards can be slightly more complicated than a cash card. Both cards are similar because they are directly linked to your bank account. You can use both cards to withdraw money from your bank account. However, the big difference is that a debit cards are issued through credit card companies such as VISA or MasterCard in combination with your bank. 

With debit cards you can make purchases online if the online platform accepts debit card payments through your credit card company. Depending on your country, you may also withdraw more or spend more money than you have in your bank account if you use a debit card. However. if you do this, you will receive an overdraft charge, which is usually around $30 - $50 depending on the bank you use on each transaction you make over your limit. That $5 Starbucks coffee and $30 tank of gasoline would cost you a whopping $135 dollars in this case.

The good news is that some banks in Japan, do not charge an overdraft fee and instead not allow you to use more money than you have in the bank. However, always make sure to confirm with the bank if they have an overdraft charge or do they simply not allow any transactions over your remaining balance in the bank.

Debit cards in Japan are very uncommon because the concept is relatively new to Japan. The majority of local banks in Japan only issue cash cards and credit cards. However, more and more major banks and online banks are starting to issue debit cards in Japan. Some major banks like UFJ and SMBC are examples of global banks that are finally starting to offer debit cards in Japan. Major businesses like 7-11 and online Giant Rakuten also offer debit cards if you make an online banking account with them. The main hurdle is making sure you meet that 6 month residency requirement if you do not have a company or school to help you get a bank account.

Benefits of Debit Cards

Debit cards give you the opportunity to make purchases in person without cash and is often your debut into the cashless world in many countries. Debit cards also allow you to make online purchases from places like Amazon and other online retailers. Please note that not all online retailers and shops accept debit card payments even though they may accept credit cards. 

Your debit card can be an amazing tool if you’re practicing for a credit card. All you need to do is not to withdraw more money than you need and make sure to make deposits into your account to keep the cash balance positive. Another reason a debit card is better as an entry card than a credit card is because you immediately feel the pain of spending beyond your means. If you have a credit card, you do not receive any warnings if you go over your limit and can wake up to a large bill you cannot pay off and pay the price in interest fees.

Another difference with debit cards is that they are directly tied to your bank and so there is a face to face component to it. Credit cards are issued by banks, but you see everyone from Amazon, Costco, and other non-banking businesses offering credit cards in Japan.

credit card in Japan 2

How to Make a Debit Card in Japan

In general the process to getting a debit card is the same in Japan as in your home country. The process involves having a normal bank account (there are no checking accounts nor checks in Japan) and letting your bank know you’d like a debit card. Most banks in Japan require you've been in Japan for at least six months to meet the residency status requirements to open a bank account. For more information, check our section above on making a bank account.

As long as you have a bank account, all you need to do is bring your residence card, bank account details into the bank and file the paperwork. Please be aware that not all banks offer debit cards in Japan because it is a new concept here, but most will offer a prepaid card. The prepaid card does the job but is more inconvenient, because you have to transfer the money from your bank account into a separate prepaid account as opposed to automatically like a real debit card.

Some places may also charge a yearly service fee for your card, but debit card annual are nothing like credit card annual fees, and much smaller. One example, the Goliath bank MUFJ does not charge you an annual fee as long as you spend more than 100,000 yen yearly.

You've lived in Japan for LESS than 6 months

Sorry to be the bearer of bad news, but you do not have much options for making a debit card in Japan unless you have lived here for more than 6 months. Your easiest option is to get is a prepaid visa card through a variety of companies in Japan.

I want to make online purchases ASAP

The downside of most cards is that you may not be able to wire-transfer money to charge the card and would need to do it in cash at a convenient store or use another debit card or credit card online to charge it. However, if you are in Japan and want to make online purchases as soon as possible, here are some options for you.

Cocokarafine Drug Stores

Line Pay Card in Japan

V-Preca Prepaid Card in Japan

I want a prepaid card that I can wire money into

If you would like a prepaid card that you can wire money into your balance, we recommend the Shinsei Bank prepaid GAICA visa card. You could create a bank account with the Japan Postal Bank and then wire money from that account into a Shinsei Gaica card and start using it for your purchases. Once you meet the six month residency requirement, you can create a Shinsei bank account and directly link your bank account to the prepaid card.

  • Passport or Japanese residence card
  • Been in Japan for a minimum of 6 months

You have lived in Japan for more than 6 months

Major banks like MUFJ, SMBC, Mizuho offer both a bank account and a debit card to foreigners in Japan, after you have been here for more than 6 months with a residence card.

You have to apply for a debit card at your local branch. Remember that a debit card is different from the cash card you received when you created your original account. You can also apply for a Seven Bank card from 7-11.

Length : Takes around 2 weeks to receive your debit card in the mail.

Traditional Banks in Japan

Here is a list of major traditional banks and their options for a debit card and prepaid card.

Japanese Post Bank ATM Cash Card/ Prepaid and Debit Card/ Japanese Only Online Banking/ No English Customer Support
Mitsubishi UFJ Visa Debit Card + ATM Cash Card/ Online Banking in Japanese Only/ No English Customer Support
Mizuho Bank JCB Debit Card/ Online Banking only in Japanese/ English Customer Support
Shinsei Bank Prepaid Visa Debit Card that can be Topped Off/ Online Banking in English/ English Customer Support
SMBC Visa Debit Card + Cash Card/ Online Banking in Japanese Only/ No English Customer Support
Suruga Bank Visa Debit Card + ATM Cash Card/ Online Banking in Japanese Only/ No English Customer Support
Resona Bank No Debit Cards/ Online Banking in Japanese Only/ No English Customer Support

Debit Cards in Japan with English Websites

Here are a list of banks who provide debit card making process in English for foreigners. The downside is that all of these cards require living in Japan for 6 months prior as a requirement:

Rakuten Debit Card No Fee to Apply/ Earn NANACO Points/ English Website/ International Money Transfer
Seven Bank JCB Debit Card No Fee to Apply, Earn Rakuten Super Points, No English Website
AEON JCB Debit Card Free with Shopping Insurance, Earn Points for Use, English Website
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Credit Cards in Japan

Put simply, a credit card allows you to borrow money to buy things, which makes it different from cash cards and debit cards. Those two types of cards allows you to make purchases with money you already have. You may not have any cash on you and rather than going to the ATM, you can borrow the money from a bank and make the purchase. Both also offer some form of fraud protection, so if someone steals your card and goes on a shopping spree, card companies will look into and hopefully refund your money.
 
You are not expected to pay back the money once you get home or within the same day. Sometime during the month, you will receive a bank statement of invoice that lists all the purchases you made. The document will also mention a specific day of the month or a grace period of around 25 to 30 days by which you must pay them back by. Failure to make that payment on time will result in you having to pay interest. You will not only have to pay them back the money you owe, but also the interest that was calculated on the amount you owed.
 
The goal of this blog post is to help you make a credit card in Japan. For that reason, we recommend checking out this article by nerdwallet on credit cards to get the basic gist.
 
How do credit card companies make money?
 
Most people know that credit card companies make money from users by charging you an interest on unpaid borrowed money. However, they make much more money on processing payments that companies and shops have to pay. For every purchase you make, the shop has to pay a fee of around 2.5% - 4.8% of the total amount to credit card companies and banks.
 
This is the main reason why some shops refuse to accept credit cards and go with a cash is king policy. These charges is what pays for the benefits they provide you when shopping. As a business owner, I like the convenience credit cards provide, but imagine paying 300 dollars for accepting a 10,000 dollar payment.
credit card in Japan 3

Differences between Credit Cards in Japan and America

Now that you understand the gist between cash, debit, and credit cards, now let's dive deeper into what credit cards in Japan are like. Please note that we still highly recommend the article by nerdwallet on credit cards for those who have never owned a credit card before. Now let's jump into the differences between Japan and America.

Age Requirements

In Japan, you need to at least be 20 years old in most cases to create a credit card, but this can vary depending on the bank. But, in America you only need to be 18 to apply for a credit card. You can apply for a debit card by yourself at 18, but with a parents help you can get one as young as 13.

Charges and Fees

You have to pay a reissuing fee if you lose your credit or debit card in Japan. Although the price is not much, it will set you bank one nice lunch or two cups of coffee at 1,000 yen. However, in America if you lose your card you can instantly get a new one for free because they want you to keep spending as soon as possible. Not sure if that is the case, but as they say, there is no such thing as a free lunch.

Similarities:

Benefits

A benefit of having an American or a Japanese credit card is being able to receive rewards depending on the type of credit card you have chosen. You can receive signup bonuses or even collect miles (another form of points) and use them for flights and hotels. You can also earn cash back for everyday purchases depending on your bank. Some credit cards also allow you to have access to premium lounges in airports. If you get a gold and above level credit card, you will have the option to receive travelers insurance and lost item insurance when you go overseas.

Annual Fees

Many credit cards in both countries do not have annual fees, while others charge 5000 yen and above depending on the card you get. For example with a gold credit card, it will usually cost you an annual fee of 10,000 yen yearly, but it comes with travelers insurance included and extra bonus points on purchases. Depending on how much you shop and use the card, you can actually earn more than the amount you paid for the card.

Please note that many banks offer credit cards in Japan with the first year's annual fee removed to entice people like you with that 0 yen free offer. The basic credit cards usually only charge 1,000 - 2,000 yen for the first year and the gold cards charge around 10,000 yen annually. Make sure to check the second year charge before you sign the contract.

credit card in Japan 4

How to Make a Credit Card in Japan

When you apply to make a credit card account at a Japanese bank these are the requirements you’ll need to complete. First, you will be required to fill out the forms they give to you. These forms ask for the following information: name, address, employment status, and some other information that depends on which bank you apply to. A small deposit may also be required when you deposit these forms. It usually takes the bank around two weeks to process all your forms, when they’ve decided you’ll receive a letter by post letting you know their decision.

Here is a checklist of the items you will need to file for a credit card in Japan. However, some banks may not require everything on the following list:

  • Passport
  • Phone number
  • Japanese residence visa
  • Japanese Address
  • Personal Seal or a signature
  • Proof of Earnings
  • Proof of employment
  • At least 6 months in Japan
  • Stable income minimum of 250000 Yen per month

What to do if you get Rejected

If you’ve waited two weeks for the bank's approval and you don’t receive it, apply again. Applying again will not damage your credit rating. However if you have your mind set on a specific bank it’s best to wait at least 3 months before applying again. The majority of banks will not give you an explanation of why they rejected your application. Many times the application process seems to be random since different banks use different criteria to determine the applicants risk. However, there are many banks and many different cards you can apply to so don’t get discouraged. If you want to improve your chances, try one of the following options:

  • Get a job with a permanent contract (雇用契約 ko-you-kei-yaku) 
  • Own a home in Japan
  • Make sure all bills are paid on time in full with no exceptions
  • Marry a Japanese National

If you are tired of getting rejected or would like an easier credit card option in Japan, we did our research and found several cards in Japan that are less mysterious and have lower requirements than the major banks. We will cover them in the next section, but if you want the closest thing to a big bank credit card and establishing your credit, we recommend applying for the Rakuten credit card.

Foreigner Friendly Credit Card Companies in Japan

The main requirement for creating a credit card in Japan is having a full-time position at a company and a stable income. Due to this, almost all credit card issuers will not issue a card to people on a working holiday, dependent, or student visa. Even foreign spouses of Japanese, who do not have a full-time position are often turned down. Although most companies won’t mention it, they may require a minimum income range of 250,000 - 300,000 yen.

If you have one of the visa types mentioned below your options are quite limited and you will most likely not be able to get a credit card. Your only option would probably be to get one through the GDN Epos card mentioned below or going with a prepaid card..

  • Student visa holders
  • Working holiday visa holders
  • Dependent visa holders

Credit Card through Yolo Japan

The company YOLO Japan can help you get a credit card with SMBC, one of the top 2 banks in Japan. You also might be able to get a card without meeting the residency requirement as long as you have a stable income and are on a work visa. That seems to be the main requirement for them, so working holiday and student visa holders may find this a tough option.

Benefits :

They provide English guides on how to complete the application, and the eligibility process can be done in less than 10 minutes.

Demerits :

The card limit is only 50,000 yen while a normal credit card is 250,000 yen.

Length :

It takes around 3 - 4 weeks to complete the whole process.

Credit Card through Rakuten Bank

Similar to the YOLO card, our guess is that you need to have a full-time position and a work visa to be considered for a credit card with Rakuten. If you do not meet this requirement, your only option maybe the GTN Epos card introduced next.

Rakuten is a major online company that provides various web services and internet banking and is the easiest way to make a credit card in Japan as a long-term resident. If you meet all the big bank requirements but keep getting rejected, Rakuten is your next best move.

Demerits :

Rakuten has an English FAQ but the application process is in Japanese.

Challenges :

You have to make more than 230,000 yen monthly and have a full-time job to be eligible for an online credit card. Major banks have even higher criteria for issuing a credit card.

Credit Card through GTN EPOS

GTN is a major provider of housing services for foreign residents in Japan. They also provide mobile services and 24/7 living in Japan support for those who are using their housing services.

GTN has partnered up with a major Japanese credit card company to provide a credit card in Japan to their foreign customers.

Benefits :

Students in specialty schools (senmongakkou) and University students are eligible to apply for this card. Additionally, those who have an instructor or humanities visa have a higher chance of getting this card.

Demerits :

You have to be using their real estate or guarantor service or mobile service inorder to be eligible to apply for their credit card.

Those on a working holiday visa may not be accepted.

If you have any other questions about creating a bank account, visit Japan Net Bank FAQs

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Credit Card Scores in Japan

Unlike the USA credit score check, Japan does not use the same system to check credit scores instead they use credit bureaus to find out whether their credit score is good or bad. After you check then you can find a solution to raise your credit score to a better rate. You can use JICC, also known as Japan Credit Information Reference Center corporation to get your credit score report. To get a report from JICC, all you need to do is go onto their website and it will take 5-10 minutes to input all your information. In order to check your score you need to pay 1,000 yen after inputting all of your information. After you have done everything, it will take about 1 week to receive the reports by mail. 

Another option is to use CIC also known as Credit Information Center. If you want to check your credit score with CIC you will need to complete their specific application process. If you’d wish to check through CIC make sure that you have done everything required of you to do. 

Please check you have done all of this:

  • You are using Windows software version 7, 8, 8.1 or Windows 10.
  • The browser you are using is:  Internet Explorer 11 or Microsoft Edge
  • You have your credit card on you. 

After checking over the confirmation items, you will need to call CIC using the phone that you registered for the credit agreements, then you will receive a receipt number. Please make sure to keep this number safe. After you have typed in the receipt number you should instantly get your credit report as a PDF file, proceed to then download it to your computer, or print it and then you are able to check the state of your credit score. 

Please note that you will also need to pay 1,000 yen for the credit report and the service will only be available from 8 am to 21:45 pm on Monday to Friday. CIC is a useful credit score reporting system which delivers your credit report much faster digitally than JICC. You should choose which credit bureau you would prefer to get the report from based on the time length you’d prefer since the price is the same. 

How to Keep a Good Credit Score

 The more aware you are about what goes into a good credit score, the easier it will be to maintain one. Five key pieces of information are used to calculate credit score: payment history, level of debt, credit age, mix of credit, and recent credit. However, there are some things that do not affect your credit score. Examples of things that do not affect your credit score include: checking account overdrafts or utility payments, checking your credit score, your interest rate. These neutral examples won’t automatically help or hurt your credit score.

Pay Your Bills on Time

This goes for all your bills, not just your credit cards and loans. Even though certain bills don’t get reported to the credit bureaus when you pay on time, they risk ending up on your credit report if you fall behind. These unpaid bills are sent to a collections agency. Remember to pay all your bills on time to maintain a good credit score. Check out The Balance for more information on how to keep a good credit score.

Keep Your Balance Low

The higher your credit card balance in relation to your credit limit, the worse your credit score will be. Your combined credit card balances should be within 30 percent of your combined credit limits in order to maintain a good credit score. That’s $300 on credit cards with combined limits of $1,000. Charging more than 30 percent of your credit limit can be risky even if you plan to pay off the balance. Card issuers typically tend to report the balance when your statement closes, so that number that will be reflected on your credit report. Keep in mind it's a good idea to keep tabs on your accounts online and pay enough to reduce your balances to less than 30 percent just before the billing month closes.

Treat All Debts Equally

Credit scores take both revolving debt (credit cards) and trade line/installment debts (mortgages). It doesn’t matter if one line of your credit has a lower interest rate than the other ones, you shouldn’t prioritize other loans if it means neglecting that payment. Constantly having a balance on your credit cards can lower your score. As well as hurt your chances in the future if you’d like to apply for another card. 

Watch Your Credit Report

Even if you do everything right with your credit doesn’t mean everyone else will. Errors may end up on your credit report leading to a drop in your credit score. Examples of these situations include identity theft and credit card fraud. This may also lead to inaccurate information on your credit report. Checking your credit report throughout the year helps you detect these mistakes sooner rather than later so you can correct them and maintain a good credit score.

Cautionary Points for a Credit Card in Japan

Be aware of interest rates.

It’s great when your application has been approved but please keep interest rates in mind. In order for you to keep your money in a safe place, you will be charged interest rates by your bank. These interest rates vary from bank to bank. However, one thing they have in common is that they will make you pay back more than what you have put in. A fee is added if you miss your interest rate payments, no matter how low your bill is. For example, if the missing an interest payment fee is $40 and you only miss a $10 payment, you will be charged $50.

You risk damaging your credit score.

If you have high levels of debt that you can not pay back don’t think that the bank won’t notice. The bank will find out and this will lead to you having a low credit score. Having a low credit score makes it harder for you to apply for loans, buy a house, or even buy a car. If you have a low credit score, even if you are responsible with your money, people will only look at the numbers. And, since no one will believe that you can pay the money that you were given back, no one will want to lend or sell to you. However, do not let this discourage you there’s easy ways to keep a good credit score it’s not as scary as it may seem sometimes.

Missed payments leads to bad credit score.

If you fail to pay back your credit card payments then this will also lower your credit score. How long you failed to pay back the payments will also be reviewed and accounted for by the bank. Do not give the bank the impression that it was a bad idea to approve your application. Be sure to pay back all your payments on time and that you have enough money on your card to pay it all back. 

Wages will be taken for failure of payments.

When the bank notices you’ve been failing to pay them back they’ll send you a letter. If you choose to ignore this letter they’ll send another one, and another and another until you either pay them back or they get to take you to court. Other examples of what may happen if you do not have enough money to pay back all the money you owe to the bank include: them taking all of the money that you have, your account could be frozen and your debt could be sold to a collection agency.  However, these are the most extreme case scenarios. So don’t worry, this situation only happens if you were being highly irresponsible. Be sure to double check that you are able to pay all the money you may owe back so you don’t have to face these scenarios. 

credit card in Japan 7

Accessing Currency without a Credit Card in Japan

If you’ve decided against a Japanese credit or debit card, here’s additional ways to get money in Japan.

Transferring

If you already have a bank card from overseas then you can still get money without having to take cash out of the ATM machines. The way forward to do this is by finding a currency foreign exchange store online for example like Travelex and ordering Japanese yen currency and converting it from your home country currency. For example, if you have a US bank card then you will exchange from US dollars to Japanese Yen. In this case, you can just bring the cash you have from your country and either go to the store to convert the currency or do it online. If you order the currency you can get it delivered to your home or you can collect it from a Travelex branch. 

ATM Machines

Another way to get money is by finding an ATM machine and inserting your card and getting the money from the ATM machine. Most of the ATM machines can take international cards but be aware because a few of them do not, I have experienced this myself so I just wanted to let people know that this could happen and not to panic if it happens and just search for another ATM machine. When you take out money from the ATM machine you will be charged by your bank especially if they have a foreign fee. This is why foreigners prefer to have a credit card while they are in Japan, especially if they are staying for more than 6 months but as we have seen this may be more challenging than what they originally thought.

Exchanging money in Airport

After you have landed in Japan, you will have the chance to convert your money. I would only advise you to do this if you urgently need the cash or you have not converted any money at all. The currency exchange at the airport can be very low and you might get more money if you convert the money at a currency exchange store. In Tokyo Haneda, you will be able to see Travelex with the different currencies conversion they offer, some famous currencies are US dollars, GBP etc and you can convert it there. Most of the Travelex stores open at different times ranging from 6am to 11pm to 9am to 7pm and it also depends on where they are located. 

We hope that our guide on how to create a credit card or debit card in Japan was helpful. Please feel free to come back and check our article out and thank you for staying with us till the end. 

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