Japan is often viewed as a cash-based society, but is that still true today? The answer is more nuanced. As a visitor, understanding where and when you can use credit cards, and when you’ll need cash, will help you travel smoothly.
This guide covers the current state of cash and card usage in Japan and offers practical tips for tourists.
🪙 Is Japan Still a Cash-Based Country?
- Historically, cash has been the preferred payment method.
- But in recent years, Japan has rapidly adopted digital payments.
- Many urban areas now accept credit cards, IC cards (Suica, Pasmo), and mobile payments.
💸 Rule of thumb: Always carry some cash, but expect cards to be accepted in most places over ¥5000.
👍 Where You Can Use Credit Cards
✅ Department stores and major retailers
✅ Hotels and ryokan
✅ Restaurants (especially mid- to high-end)
✅ Supermarkets and electronics shops
✅ Train stations and airport services
💳 Visa and MasterCard are the most widely accepted.
❌ Where Cash Is Still King
❌ Local ramen shops and casual eateries
❌ Mom-and-pop stores in rural areas
❌ Small temples and shrines (for donations or charms)
❌ Public baths (sento), street vendors, and festivals
🛋️ How to Withdraw Cash
- ATMs that work with international cards include:
- 7-Eleven
- Japan Post Bank
- Lawson
- Available in English and open 24/7 in most locations.
- Daily withdrawal limits may apply.
📱 What About Mobile Payment?
- Apple Pay, Google Pay, and QR code apps are widely supported—especially in chain stores.
- However, most mobile payments are linked to Japanese bank accounts.
- Apple Pay with a foreign card can work in Japan if set up as an IC card (e.g., Suica).
🔹 Few stores accept mobile payment only while refusing cards—it’s rare.
🌐 Tips for Tourists
- Carry both cash and card.
- Ask “Credit card OK?” before paying.
- Avoid relying on credit-only in rural areas.
- Withdraw cash before long trips or holidays.
- Don’t assume your card will work everywhere—always have a Plan B.