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Where can I exchange money in Japan?

Traveling to Japan offers an exciting adventure filled with rich culture, stunning landscapes, and delicious cuisine. However, before embarking on your journey, it’s essential to prepare for your financial needs, including exchanging currency. While Japan is a modern and developed country, finding convenient and reliable places to exchange money can vary depending on your location and needs. In this comprehensive guide, we’ll explore the various options for exchanging money in Japan, ensuring you have a seamless and stress-free experience during your travels.


Banks and Financial Institutions

One of the most common and reliable places to exchange money in Japan is at banks and financial institutions. Major banks such as Mitsubishi UFJ, Sumitomo Mitsui, and Mizuho Bank offer currency exchange services at their branches located throughout the country. These banks typically offer competitive exchange rates and a wide range of currencies, making them a convenient option for travelers. Additionally, many banks in Japan provide ATMs that accept foreign debit and credit cards, allowing you to withdraw Japanese yen directly from your account in your home country.


Currency Exchange Counters

Currency exchange counters are another convenient option for exchanging money in Japan, especially in tourist areas and transportation hubs such as airports, train stations, and major shopping districts. These counters, often operated by currency exchange companies or travel agencies, offer competitive rates and convenient hours of operation, making them a popular choice for travelers. While exchange rates at these counters may be slightly higher than those at banks, the convenience and accessibility they offer can outweigh the difference for many travelers.


Post Offices

Japan Post, the national postal service of Japan, operates thousands of post offices across the country, many of which offer currency exchange services. While exchange rates at post offices may not always be the most competitive, they can be a convenient option, especially for travelers visiting remote or rural areas where banks and currency exchange counters may be scarce. Additionally, Japan Post ATMs are widely available and accept foreign debit and credit cards, allowing you to withdraw Japanese yen with ease.

Hotel Concierge Services

Some hotels in Japan offer currency exchange services for their guests, typically at the front desk or concierge desk. While rates at hotel currency exchange desks may not always be the most favorable, they can be a convenient option, especially if you’re in need of cash outside of regular business hours or in a pinch. However, it’s essential to compare rates and fees carefully, as exchange rates at hotels may be higher than those at banks or currency exchange counters.

Online Currency Exchange Platforms

In recent years, online currency exchange platforms have become increasingly popular among travelers seeking convenience and competitive rates. Platforms such as Travelex, Wise (formerly TransferWise), and Revolut allow you to exchange currency online or via mobile app, often at rates that are more favorable than those offered by traditional banks or currency exchange counters. Additionally, many of these platforms offer multi-currency accounts and prepaid travel cards, allowing you to manage your finances and make payments in multiple currencies with ease.

Local Currency Exchange Shops

In addition to banks, currency exchange counters, post offices, and hotels, you may also come across local currency exchange shops in Japan, especially in tourist areas and popular shopping districts. These shops, often operated by small businesses or independent operators, may offer competitive rates and personalized service. However, it’s essential to exercise caution and verify the legitimacy of these establishments before exchanging money, as rates and quality of service can vary.

Tips for Exchanging Money in Japan

Regardless of where you choose to exchange money in Japan, there are several tips to keep in mind to ensure a smooth and hassle-free experience:

1. Compare Rates: Before exchanging money, compare exchange rates from multiple sources, including banks, currency exchange counters, and online platforms, to ensure you’re getting the best possible rate.

2. Watch Out for Fees: In addition to exchange rates, be aware of any fees or commissions that may apply to currency exchange transactions, as these can impact the overall cost of exchanging money.

3. Avoid Dynamic Currency Conversion: When using your credit or debit card for purchases in Japan, opt-out of dynamic currency conversion (DCC), which allows merchants to convert your transaction into your home currency at an unfavorable exchange rate.

4. Consider Timing: Exchange rates can fluctuate throughout the day, so consider timing your currency exchange to take advantage of favorable rates, if possible.

5. Carry Some Cash: While credit and debit cards are widely accepted in Japan, especially in major cities, it’s still a good idea to carry some cash for smaller purchases and transactions, as not all establishments may accept cards.


In conclusion, Japan offers a variety of options for exchanging money, ranging from banks and currency exchange counters to post offices, hotels, online platforms, and local currency exchange shops. Whether you’re looking for convenience, competitive rates, or personalized service, there’s a solution to meet your needs during your travels in Japan. By comparing rates, watching out for fees, considering timing, and carrying some cash, you can navigate the currency exchange process with confidence and ease, ensuring you have the funds you need to enjoy your time in this captivating country.

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