When you’re heading to Japan, one of the first things you’ll need to figure out is how to pay for things.
Japan is known for its modern cities and advanced technology, but surprisingly, cash is still the preferred method of payment in many places.
Whether you’re in Tokyo’s bustling streets or the serene temples of Kyoto, understanding when to use cash and when to rely on your card can make your trip much smoother.
Why Cash Is Still King in Japan
Japan is a tech-forward country, but cash remains the most popular way to pay.
More than 60% of transactions are still made with cash even in big cities.
Japanese culture places a strong emphasis on tradition, and cash is seen as more reliable and secure compared to cards.
- Cultural respect for cash: Handling money carefully is considered a sign of respect. Don’t be surprised if you see pristine, increased bills handed over with both hands.
- Practicality for small businesses: Many local businesses, especially in smaller towns, prefer cash because it avoids the fees and potential technical issues associated with card payments.
Where You’ll Need Cash
- Temples and shrines: Cash-only entrances and donations are common at places like Kyoto’s Fushimi Inari Shrine or the serene Meiji Shrine in Tokyo.
- Rural areas: Outside of big cities, cash is still the go-to, especially in traditional inns (ryokans), local restaurants, and souvenir shops.
- Smaller businesses: You’ll find cash is preferred in local food markets, family-owned shops, and even some smaller museums or attractions.
The Growing Use of Cards
While cash rules the countryside, Japan’s bigger cities are becoming more card-friendly.
In Tokyo, Osaka, or Kyoto, you can use your card at major hotels, restaurants, and department stores.
Even convenience stores like 7-Eleven, Lawson, and FamilyMart accept cards, which is helpful when you need a snack or to grab something last-minute.
- Urban areas: Cards are widely accepted in department stores and chain restaurants. The more tourist-heavy the area, the more likely cards are accepted.
- Public transportation: In cities, you can use an IC card (like Suica or Pasmo) to get around on trains, buses, and even for purchases at some vending machines and stores.
- ATM access: Don’t worry if you run low on cash; ATMs at 7-Eleven or post offices accept foreign cards and are easy to find.
Where Cards Are Useful
- Larger restaurants and hotels: You’ll often find card-friendly businesses in tourist areas, especially around Ginza in Tokyo or Dotonbori in Osaka.
- Shopping districts: Areas like Shibuya or Akihabara in Tokyo are full of department stores and electronic shops that readily accept cards.
- Transportation hubs: Trains, buses, and even taxis in major cities often allow you to pay with an IC card or credit card.
How to Balance Cash and Cards
When travelling in Japan, it’s best to carry both cash and cards to handle any situation. Here are some simple tips for keeping things smooth:
Cash Tips
- Carry smaller bills and coins: Many smaller shops or rural locations might not have change for large bills like ¥10,000 (about AUD $130).
- Withdraw cash from ATMs: If you’re running low, find an ATM at a 7-Eleven, post office, or airport. These are the most reliable spots for foreign cards.
Card Tips
- Watch for foreign transaction fees: Before you travel, check with your bank to see if your card has any fees for international use.
- Always have backup cash: While cards work in cities, you never know when you’ll encounter a cash-only spot.
IC Cards and Mobile Payments: A Handy Option
A great middle ground for small payments in Japan is using IC cards, like Suica or Pasmo.
Originally designed for public transportation, these cards can be topped up and used for buying items at convenience stores, vending machines, and even some cafés.
- Where to get one: You can easily buy and top up IC cards at train stations across Japan.
- Where to use it: IC cards are widely accepted for transport in cities like Tokyo, Kyoto, and Osaka. They’re also handy for small, everyday purchases like snacks or drinks.
As for mobile payments, options like PayPay or Line Pay are becoming popular, but they mainly cater to locals and might require a Japanese phone number.
For most tourists, cash and cards will cover all your needs.
Your Travel Payment Game Plan
To make your trip to Japan stress-free, here’s a simple plan for handling payments:
- Carry ¥10,000–¥20,000 (AUD $130–$260) in cash at all times for meals, small purchases, and places that don’t accept cards.
- Use your card for larger expenses like hotels, upscale restaurants, and shopping at major stores.
- Top up your IC card regularly if you’re using public transportation or making small purchases on the go.
Ready to Explore Japan?
Now that you’re set with your payment plan, you can focus on enjoying Japan’s rich culture, incredible food, and beautiful sights.
Whether you’re shopping in Shibuya, admiring the temples of Kyoto, or exploring the peaceful countryside, knowing how to pay will make everything smoother.
So, pack your cash, grab your cards, and get ready for an amazing journey through Japan.
Safe travels!
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