You’ve probably heard that Japan is a “cash society.” Is it still true in 2025? Sort of — but the situation has changed a lot. Here’s the real picture so you don’t arrive underprepared.
The Short Answer: Bring cash, but not as much as you think. Most tourist-facing businesses now accept cards, but you’ll still need yen for certain situations.
Where Cards Are Accepted: Hotels almost always accept Visa, Mastercard, and usually Amex. Department stores and shopping malls accept cards almost universally. 7-Eleven, FamilyMart, and Lawson all accept IC cards and major credit cards. Most restaurants in cities are increasingly accepting cards. Tourist attractions and bullet trains also accept cards.
Where You Still Need Cash: Small local restaurants and izakayas are often cash-only. Shrines and temples charge cash for entrance fees and charms. Vending machines are mostly cash. Some taxis don’t have card readers. Street food and market stalls are always cash. Coin lockers at train stations often require coins. Card acceptance drops significantly in rural areas.
How Much Cash to Carry: For a typical day of sightseeing in Tokyo or Osaka, ¥5,000–10,000 (about $35–70) is usually enough. For a full trip, withdraw ¥20,000–30,000 when you arrive and top up as needed.
Where to Get Yen: The best option is 7-Eleven ATMs — they accept foreign cards and have an English interface. Japan Post ATMs and AEON Bank ATMs are also good. Avoid airport currency exchange counters — the rates are terrible.
IC Cards as a Middle Ground: Your Suica or ICOCA IC card works for train fares but also at convenience stores, vending machines, and many shops. It’s essentially a prepaid debit card for small purchases.
The Bottom Line: Don’t stress about going cashless in Japan — it won’t work. But don’t overload yourself with yen either. Withdraw a reasonable amount when you arrive, keep some in your wallet, and use cards where you can.
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