While living in Japan, you may need to use ATMs to withdraw cash or check your bank balance.
ATM hours and fees vary by bank.
This explains ATM hours and useful tips for foreigners living in Japan.
What You Will Learn in This Article
- Basic information about ATMs in Japan
- Japan Post Bank ATM operating hours
- Important points about major bank ATMs
- How convenience store ATMs work
- When ATM fees are charged
- Tips for foreigners using ATMs in Japan
1. Japan ATMs are not always 24/7 free.
Japan has several types of ATMs, including bank ATMs, Japan Post Bank ATMs, and convenience store ATMs.
24-hour ATMs may charge late-night fees.
Bank ATM hours vary by location and holidays.
2. Japan Post Bank ATM Hours
Japan Post Bank ATMs can be found inside post offices, train stations, shopping centers, and some FamilyMart stores.
ATMs inside post offices and Japan Post Bank branches may be available from around 7:00 AM to 11:00 PM on weekdays and Saturdays, and until around 9:00 PM on Sundays and holidays. However, actual hours depend on the location.
Important Points About Japan Post Bank ATMs
- Many post office ATMs offer free hours.
- Station ATMs may charge time-based fees.
- Japan Post cards may incur ATM fees.
- Coin transactions may require fees.
3. Mitsubishi UFJ Bank ATMs
MUFG ATM hours vary by branch location.
ATM hours differ depending on location.
There may also be temporary service suspensions during system maintenance, especially late at night.
Check ATM hours on the official website.
4. SMBC (Sumitomo Mitsui Banking Corporation) ATMs
SMBC ATMs also have different operating hours depending on the location.
ATM hours may change during holidays.
If you need cash urgently, it is safer to prepare in advance.
5. Mizuho Bank ATMs
Mizuho Bank ATMs may have different service hours depending on the ATM location and available services.
Some ATM services are weekday-only.
Certain services may not be available on weekends or holidays, so please check in advance.
6. Convenience Store ATMs Are Very Useful
In Japan, convenience stores such as 7-Eleven, Lawson, and FamilyMart usually have ATMs.
Convenience store ATMs are available 24/7.
Main Convenience Store ATMs
| Convenience Store | ATM Type | Features |
|---|---|---|
| 7-Eleven | Seven Bank ATM | Supports many Japanese and international cards |
| Lawson | Lawson Bank ATM | Widely available across Japan |
| FamilyMart | E-net ATM / Japan Post ATM | ATM type differs by store |
7. What You Can Do at Convenience Store ATMs
Convenience store ATMs usually allow the following services:
- Cash withdrawals
- Balance checks
- Deposits (depending on the bank)
- Bank transfers (depending on the ATM)
- Cash withdrawals using international cards (supported ATMs only)
ATM services and fees vary by card.
8. Times When ATM Fees Are Common
ATM fees may apply depending on the time of day. Be especially careful during:
- Early morning hours
- Late-night hours
- Saturday afternoons
- Sundays and holidays
- New Year holidays
- Convenience store ATM usage
Night and holiday ATM fees may apply.
9. Tips for Foreigners Using ATMs in Japan
Foreigners who recently arrived in Japan may find ATM systems confusing at first.
Important Things to Remember
- It may take time before your bank card arrives
- You cannot use your card if you forget your PIN
- Always check your account balance before withdrawals
- ATM fees are more common at night and on holidays
- Some ATMs do not support international cards
- Many ATMs offer English language support
If you make a mistake during ATM operation, press the cancel button and restart calmly.
10. Check your balance before rent payments.
In Japan, rent payments are often automatically withdrawn from your bank account.
Payments may fail if funds are low. Extra fees or calls may follow.
Before your rent withdrawal date, check your balance using an ATM or banking app.
11. Be Careful During Holidays and Long Vacations
During New Year holidays, Golden Week, and Obon holidays, ATM hours and banking services may change.
Prepare cash early during holidays.
Important:
ATM operating hours and fees vary depending on the bank, location, and card type.
Please check the latest information on official websites.
Summary｜Check ATM Hours and Fees Before Use
In Japan, you can use ATMs at Japan Post Bank, major banks, and convenience stores.
Convenience store ATMs may charge fees. ATM hours vary by location.
Check your balance before rent dates.
Withdraw cash early when needed. Knowing ATM rules makes life easier.
Need Help Living in Japan?
At willow, we support foreigners living in Japan with apartment searches and daily life support after moving in.
If you have questions about bank accounts, rent payments, utilities, or resident registration, feel free to contact us.
We are here to help you start your life in Japan smoothly and comfortably.
Feel free to contact us on LINE for support with daily life in Japan and apartment search!
