Cash versus card payment reality

Japan’s reputation as “cash-only” is outdated but not entirely false. Card acceptance is growing, but regional and business-type variations remain significant. Do not assume cards work; carry sufficient cash as a fallback.

Where cards dominate. Chain restaurants (Yoshinoya, MOS Burger), department stores, major hotels, and IC card vending machines accept cards. Convenience stores (7-Eleven, Lawson) accept all major cards. Train stations and transportation systems use IC cards or mobile pay. Tokyo and major cities have normalized card culture in commercial districts.

Where cash is essential. Small family-run restaurants (especially in Kyoto, Nara, rural areas), traditional ryokans, local izakayas, temples, shrines, and markets often operate cash-only. Takkyubin luggage forwarding is paid in cash to the hotel (they do not bill your room). Street food vendors (takoyaki, yakitori stalls) are predominantly cash. Elderly shopkeepers in non-tourist districts may not accept cards as a matter of principle or capability.

ATM strategy. Japan Post ATMs (found in post offices in even small towns) accept most foreign credit/debit cards and dispense cash 24/7. 7-Eleven ATMs also work for most cards. Withdraw ¥30,000–¥50,000 on arrival; you will spend it. ATM fees are roughly ¥100–¥200 per transaction, higher than your home country’s rates but unavoidable.

IC card duality. IC cards (Suica/Pasmo) solve the cash/card dilemma for transit and convenience stores, eliminating the need to carry coins. Vending machines accept coins, cards, and IC cards interchangeably. Prioritize loading your IC card and using it for small purchases; it reduces cash waste on change.

Regional notes. Kyoto, Nara, and Hakone are more cash-dependent than Tokyo or Osaka due to higher concentrations of heritage sites and small businesses. Budget accordingly. Arima Onsen, Kobe’s Nankinmachi, and rural temple areas require advance cash withdrawal; ATMs are sparse.