What are the best banks in Japan

Withdraw money for free in Japan

This saves you high fees at the ATM. Withdrawing money in Japan is free of charge. Read what to look for.

So that you can plan your trip better, you should know how and where you can exchange money in Japan, what is the situation at ATMs in the country and which bank cards, e.g. EC cards or credit cards, you can use.

Account comparison - free international withdrawals

Practically all banks and savings banks charge high fees when withdrawing money abroad. With the banks in the comparison table below, international withdrawals are free of charge.

- As of May 2021 -

The easiest way to get cash in Japan is offered by ATMs, which can be found in banks, shopping centers and tourist attractions, e.g. in Tokyo, Yokohama or on the island of Okinawa. Visa or Mastercard credit cards are preferably used, with ec cards acceptance is not always guaranteed. However, banks and savings banks charge substantial cash fees for the use of bank cards abroad, which can be avoided with the right credit card. Withdrawing money free of charge in Japan is easy to do with a credit card from our comparison table in order to keep the cash balance at a sufficient level at all times.

Change money in Japan or in Germany?

The best rate for yen is available to travelers in Japan, although exchange options can be found at the airport. You can exchange money in exchange offices, banks and post offices. Foreign currencies are exchanged for cash or travelers checks (American Express, Thomas Cook) for the local currency. Many holidaymakers prefer to exchange money in large department stores such as Daimaru or Matsuya, because this variant is also possible. Larger hotels can also exchange foreign currency. In any case, the passport or identity card is required for presentation. In banks, you can expect longer waiting times at the change counters. Small bank branches may not have the desired amount of yen in stock, so the amount must be pre-ordered. Larger euro amounts that are to be exchanged in yen are often a problem. A guideline value of up to 500 euros applies, which can be paid out without any problems. Exchange offices offer the best rate and that without fees, in contrast to hotels and banks, where costs can be incurred.

Withdraw free yen in Tokyo, Kyoto, Yokohama, Okinawa

Japan offers a variety of island regions that serve tourists from all over the world with different vacation options. Hokkaido in the north is characterized by snow. The best ski areas can be found in the Tohoku region, which also has hot springs. The Kanto coast stretches along the cities of Tokyo and Yokohama. The Alps in Japan can be discovered in the mountainous region of Chubu. The Kansai region combines the holiday magnets Osaka, Kioto and Nara. Of course, Chugoku is rural. Fukuoka is a popular holiday destination on the southern island of Kyushu. Cultural diversity, culinary delights and temple buildings make Shikoku what it is. Okinawa offers dream beaches and sights in pristine nature. Nature lovers will also get their money's worth on the Izu Peninsula.

Metropolises full of luminosity that combine modernity and tradition, these are all of Japan's cities. Tokyo, the modern center of Japan and the country's capital, glitters and sparkles, the world goes in and out here. Technology, fashion, design are present as well as the major sights, e.g. the Imperial Palace. The port city of Yokohama combines imposing skyscraper architecture with green gardens and traditional Japanese aspects. One of the cities that one should definitely see in Japan is the economic metropolis of Osaka with shopping centers, historical temples and waterways that extend to the bay. The port city of Kobe presents itself in a western style and in a charming location between the sea and the mountains. The former capital Kyoto is a meeting point for visitors from all over the world, cultural highlights, fascinating handicrafts, imperial parks and temples pamper all the senses.

Even if the name of the city is associated with a sad fate, a detour to Hiroshima is part of it for visitors to Japan, because that too is a piece of Japanese history. Castle ruins, amusement parks, sports fun - this is how Fukuoka presents itself, a modern city with rough edges. The first capital of Japan was Nara, where Buddhism is particularly present through numerous temples and statues. Nikko, a city full of sights of Japanese culture and with the national park of the same name, is one of the particularly attractive travel destinations in Japan. The forest landscapes, volcanoes and mountain ranges make Hakone an important stop on tours of Japan. Mount Fuji, the highest mountain in Japan, surrounded by lakes with leisure facilities, is one of the highlights that tourists in Japan should not miss. Tobe and Ise impress with their picturesque bays, small islands and the original way of life. Green, ultra-modern and the headquarters of renowned Japanese companies: there is a lot to experience in Kawasaki.

The Japanese national currency can also be obtained from ATMs, which can be found in large numbers in the popular holiday regions and metropolitan cities. The menu navigation of the machines is mostly available in English. However, ec cards are often out of the question, as the machines only accept credit cards, e.g. from Visa or Mastercard. Exceptions can be found at the ATMs of the Japanese Postbank, which are marked with the Cirrus or Maestro symbol. Deutsche Postbank AG customers can also withdraw money free of charge in Japan using a special Postbank card.

In any case, travelers should ask the card-issuing German bank and possibly the tour operator when planning whether credit cards can be used at ATMs at the holiday or destination. In Japan it is not uncommon that access to machines is only possible until the evening hours, even in tourist centers. When using credit cards, there are cash fees that differ between banks and savings banks. This is no longer an issue with a credit card from our comparison table, because the use of these cards at the machine is free of charge abroad.

Japanese banks

Discover the land of a thousand faces, made up of an infinite number of islands, with Tokyo as the dazzling capital.

Japan is indeed a banking country; even the individual regions of the country have a diversified banking network with numerous independent banks. The major banks in the country include: Bank of Japan, Development Bank of Japan, Japan Bank for International Cooperation, Shoko Chukin Bank, Japan Post Bank, Mizuho Bank, The Bank of Tokyo-Mitsubishi UFJ, The Master Trust Bank of Japan, Resona Bank, Kinki Ossaka Bank, Shinsei Bank, Aozora Bank.

Major international banks are also represented in Japan, including: Barclays, BNP Paribas, Citibank, Credit Suisse, HSBC, JPMorgan Chase or Rabobank. Finding a German bank is also not difficult in Japan, because Deutsche Bank AG, Commerzbank AG and WestLB AG have branches here.

The opening times of the banks are multiple: Monday to Friday from 9 a.m. to 3 p.m.


The official national currency is the Japanese yen, abbreviated with the symbol ¥. Internationally there is the abbreviation JPY, JPY is given for the exchange rate.
There are 1,000, 2,000, 5,000 and 10,000 yen denominations in circulation; coins are issued at 1, 5, 10, 50, 100, 500 yen. 500 yen coins are found in Japan as both gold and silver coins. Different design versions are also represented for the notes, but they are all valid. Banknotes for 2,000 yen, on the other hand, are rarely found.

Pay with debit card and credit card in Japan

In Japan, payments are primarily made with cash. Visa, Mastercard or American Express credit cards can be used in larger hotels, exclusive shops and upscale restaurants in regions and cities that are heavily frequented by travelers and holidaymakers. Often, however, the use of the credit card is only possible from a minimum amount, and a small service fee is also due. The foreign transaction fee is charged by the card-issuing banks and savings banks, which varies with a percentage between 1 and 2% of the payment amount. To make inexpensive cashless payments and at the same time withdraw money free of charge in Japan, it is possible to use a credit card from our comparison table. American Express travelers checks can also be used to pay at large hotels in Japan. The ec card makes no sense in Japan.

ATMs for flexible cash withdrawals in Japan

Withdraw free money in Japan and with cash on Tohoku, Kansai, Chugoku islands. Kyushu, Shikoku, Okinawa, the Izu Peninsula and the cities of Tokyo, Yokohama, Osaka, Kobe, Kioto, Fukuoka, Nara, Nikko, Tobe and Ise are easy with a credit card from our comparison list.