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日本のお金・ATM・両替ガイド 2026|最良レート＆カード戦略

2026-09-06 · 分で読める

現在、本文は英語のみで公開しています。日本語への翻訳作業を進めています。タイトル・タグ・基本情報は日本語化済みです。

💡この記事の要点⏱ 2 分で読める

日本の両替完全ガイド。7-イレブンATMが王者、Charles Schwab/Wiseカード、チップなし文化、現金必要量。

Japan is STILL 50% cash-based even in 2026 — temples, small restaurants, taxis, market stalls. But how to actually get yen without getting ripped off? Here's the smart strategy.

TL;DR winners

●Best debit card: Charles Schwab Investor Checking (0% fees + refunds ATM fees)
●Best alternative: Wise / Revolut (near-perfect exchange rate)
●Best ATM in Japan: 7-Eleven (Seven Bank) — English, no fee, accepts all foreign cards
●Worst option: Airport currency booths (5-7% below market)
●Cash to carry daily: ¥10,000-20,000 per person for cash-only shops
●Total cash for 2 weeks: ¥50,000-100,000 (depending on cash-heavy activities)

Where to get yen (ranked)

Method	Exchange rate	Fees	Verdict	予約
7-Eleven ATM (Seven Bank)	Bank rate + 0.5%	$0-3 depending on card	★★★★★ Best	🏨 予約
Post office ATM (Yucho)	Bank rate + 0.5%	$0-3	★★★★★ Same as 7-Eleven	🏨 予約
Wise/Revolut card + ATM	Nearly perfect	$0-1	★★★★★ Best if you have it	🏨 予約
Airport currency exchange	5-7% worse	None but bad rate	★★ Emergency only	🏨 予約
City banks (Mizuho, MUFG)	3-4% worse	Fee ¥1,000+	★ Slow, painful	🏨 予約
Traveler's checks	N/A	N/A	★ Basically dead	🏨 予約

7-Eleven ATM strategy (do this)

●Every 7-Eleven has an ATM — 20,000+ locations nationwide
●Available 24/7 (some maintenance windows 2-4 AM)
●English menu: choose your language on screen
●Withdraw ¥30,000-50,000 per transaction to minimize fees
●Fees: your bank's international ATM fee (often $3-5) + ATM operator fee (¥110-220)
●Charles Schwab refunds ALL international ATM fees
●Alternative: Family Mart + Lawson also have ATMs, usually work with foreign cards

Best cards for Japan

Card	Foreign fee	ATM refund	Best for	予約
Charles Schwab Investor Checking	0%	YES (unlimited)	US residents — the gold standard	🏨 予約
Wise Debit Card	0.5%	$100 free/month	Non-US residents (Wise app in most countries)	🏨 予約
Revolut Metal	0%	$400/month	Europe residents	🏨 予約
Capital One 360	0%	Some	US residents alt	🏨 予約
Chime Debit	0%	Some ATMs	US residents budget option	🏨 予約

IC card top-ups (Suica/Pasmo)

●Where to top up: any train station kiosk, all conbini
●Top up amount: ¥1,000-10,000 at a time
●Cash only for top-ups (mostly)
●Mobile Suica: link to Apple Pay / Google Pay for touchless top-ups
●Refund unused balance: at any JR East ticket^PR office when leaving Japan

Tipping rules (SIMPLE: don't)

Japan has NO tipping culture. In restaurants, taxis, hotels — do NOT tip. It's actually considered rude. Staff will chase you down the street to return your 'forgotten' money. The only exception: high-end ryokan may include an optional gratuity in the bill (rare). If you want to show appreciation, learn to say 'gochisosama deshita' (thanks for the meal).

Cash-only places to expect

●Small ramen shops (esp. outside Tokyo^PR)
●Temples + shrines (donations, souvenirs)
●Local izakaya (bar/pub)
●Vending machines (cash or IC card)
●Small taxis (though most take IC card now)
●Market stalls (Tsukiji, Ameyoko, Kuromon)
●Ryokan check-in (many still cash-only)
●Onsen day-use (cash for locker + towel rental)

Emergency: what if you run out?

●Walk to nearest 7-Eleven — never more than 500m in cities
●Ask hotel front desk — they'll direct you to nearest ATM
●In rural areas: post offices (Yucho ATM), banks (limited hours)
●Absolute emergency: some hotels can cash-advance on credit cards (with fees)

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