Cash or Card in Tokyo? Where Cards Work, Where You Need Cash, and How to Use ATMs
Published: 2026-10-15
Cashless payment has spread a lot in Japan, but some places are still cash-only. Here's where cards and phone payments work, where you'll need cash, and how to withdraw yen.
The short answer
| Where | How to pay |
|---|---|
| Convenience stores, big chains, department stores | Credit cards, tap-to-pay and IC cards almost always work |
| Trains and buses | IC cards; contactless credit cards on the subway and some other lines |
| Ramen shop ticket machines | Many are still cash-only |
| Small eateries, stalls, markets | Sometimes cash-only |
| Shrines and temples (charms, offerings) | Cash, as a rule |
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You can rely mostly on cards, but carry a little cash, especially coins.
Where cashless works
- Convenience stores, fast food, big restaurant chains, drugstores and department stores almost all take credit cards and tap-to-pay.
- IC cards like Suica and PASMO work not only on trains but also at convenience stores and vending machines.
- Most taxis accept cards too.
Where you're likely to need cash
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Ramen shop ticket machinesAt shops where you buy a meal ticket at the door, many machines still take cash only. Have some notes and coins ready.🏮
Small shops and marketsSome family-run eateries and market stalls are cash-only.⛩️
Shrines and templesCharms and offerings are paid in cash.🎰
GachaCapsule-toy machines almost always take coins only. Use the change machine in the shop.
The new thousand-yen note issued in 2024. Ticket machines and small shops are easier with a few small notes and coins.
Getting cash (ATMs)
Seven Bank ATMsThe ATMs in 7-Eleven stores accept cards issued abroad, with English and other languages.🏤
Japan Post Bank ATMsATMs at post offices and elsewhere also accept foreign cards.ℹ️
Withdrawals may carry a fee. Check your own card issuer's fees too.
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Older ATMs and some bank ATMs don't accept foreign cards. Convenience store ATMs are the safest bet.
- For using IC cards on trains, see our guide to riding trains in Tokyo.
Official websites
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Hours, prices and rules can change. Check the official websites for the latest before you go.
Places in this story
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