Japan Cash & ATM Fee Calculator
Work out how much yen to carry, and what getting it from a Japanese ATM costs once your own bank's fees are added.
Limits and fees checked November 12, 2026 · v1.0.0 · This page contains ads or affiliate links.
1. How much cash to carry
¥40,000–¥60,000 cash on hand
Our suggestion, not survey data. Refill when you drop to about ¥5,000, not when you hit zero; post office ATMs close at night.
2. What an ATM withdrawal really costs
ECB reference rate, Nov 10, 2026. Update to today's.
$7.12 extra cost vs mid-market
3. Versus exchanging US dollar bills
Default: your rate above minus ¥3.00, the gap MUFG Bank published between its cash buying rate and mid-rate on Nov 10, 2026. Airport counters set their own rates.
$3.72 extra cost vs mid-market
Tips that change the answer
- Choose yen when the ATM offers to charge you in dollars (Dynamic Currency Conversion). This calculator assumes you pick yen.
- Fewer, larger withdrawals: fees are per transaction, so splitting ¥60,000 into three withdrawals can triple them.
- Seven Bank doesn't publish one fee for foreign cards; it varies by brand. Enter what the screen shows.
- Your bank's daily cap can be lower than the ATM limit.
Sources: Seven Bank · Japan Post Bank · MUFG Bank FX quotations. Results are estimates; your bank's statement is final.