Quick Answer: For foreign-issued cards, 7-Eleven (Seven Bank) ATMs and Japan Post Bank ATMs are the most reliable options, accepting most international Visa, Mastercard, and Cirrus/Plus network cards. Lawson Bank and AEON ATMs also offer international card support. Fees range from ¥110-220 per transaction, and withdrawal limits are typically ¥50,000-100,000 per transaction.
Which ATMs Accept Foreign Cards
Not all ATMs in Japan accept internationally-issued cards. The following networks are generally the most reliable for foreign cardholders:
| ATM Network | Locations | Foreign Card Support | Hours | Fee (Foreign Card) |
|---|---|---|---|---|
| Seven Bank (7-Eleven) | ~26,000 | Visa, MC, Cirrus, Plus, UnionPay | Nearly 24h | ¥110/transaction |
| Japan Post Bank | ~24,000 | Visa, MC, Cirrus, Plus | Varies (some close at 21:00) | ¥110-220 |
| Lawson Bank | ~13,500 | Visa, MC, Cirrus, Plus, UnionPay | Nearly 24h | ¥110-220 |
| AEON Bank | ~6,000 | Visa, MC, JCB, UnionPay | Store hours | ¥110-220 |
| Mega Bank ATMs | Varies | Limited international support | Varies | ¥110-330 |
Fee Tips for Japanese Bank Account Holders
If you have a Japanese bank account, ATM fees depend on your bank, the ATM network, and the time of day:
💡 Free Withdrawal Windows:
- Japan Post Bank — Free at JP ATMs during weekday business hours (generally 8:45-18:00)
- SBI Shinsei Bank — Free at convenience store ATMs depending on your tier level
- Sony Bank — 4 free convenience store ATM withdrawals per month
- Rakuten Bank — Free at certain ATMs depending on membership tier (Happy Program)
Withdrawal Limits
- Foreign cards: Typically ¥50,000-100,000 per transaction, ¥100,000-500,000 per day (varies by issuing bank)
- Japanese bank cards: Default limits often ¥500,000-1,000,000 per day, adjustable via bank settings
⚠ Note: Your home bank may charge an additional international ATM fee on top of the Japanese ATM operator's fee. Check with your home bank before relying on ATM withdrawals as your primary cash source in Japan.
Q: Why was my foreign card rejected at an ATM?
Common reasons include: the ATM doesn't support your card network, your home bank blocked the foreign transaction (contact them to enable overseas ATM use), your daily limit was reached, or the ATM was temporarily out of service for international transactions.
Q: Can I deposit cash at convenience store ATMs?
It depends on your bank. Some Japanese bank accounts allow cash deposits at Seven Bank or Lawson ATMs, but this is generally not available for foreign-issued cards. Check your bank's ATM partner list for deposit functionality.
Disclaimer: Information is based on publicly available data as of early 2026. ATM fees, hours, and foreign card acceptance may change without notice. Please verify current details with each ATM operator or bank.
