Travel Tips Travelling to Japan

How to withdraw cash in Japan with the Wise card

Gert Svaiko

30.06.25

Read time 2 minutes

If you have an upcoming trip to Japan, you’ll need to consider spending options. If your UK bank card isn’t suitable for international use, you could rely on the Wise debit card. You won’t have to worry about carrying cash or exchanging currency and instead let Wise do the conversion. But how do you use a Wise card at Japanese ATMs?

In this guide, we’ll explain how to withdraw money from Wise in Japan. We’ll get into fees and limits and also how you can use the Wise digital card.

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Can I use a Wise card to withdraw cash in Japan?

Yes, you can use your Wise debit card to withdraw cash from ATMs in Japan. While not all Japanese ATMs accept international cards, there are still many options to rely on. Local withdrawals in Japan are typically only supported at AEON, E-net, and Daily Yamazaki ATMs, though it's not guaranteed.

With your Wise debit card, you can withdraw up to £200 per month for free, in up to two withdrawals. Wise will not charge you for these withdrawals, but additional charges may occur from independent ATM networks

There’s a fee for going over this amount and also for making more withdrawals. If you exceed this allowance, a fee of 1.75% will apply to the amount withdrawn. Starting from your third withdrawal in the same month, a fixed fee of £0.50 will also be charged, in addition to the 1.75% fee.

You can always double-check your current withdrawal limits in the Wise app or online.

Keep in mind that some ATM providers in Japan might charge their own fees, but these are usually shown before you confirm the transaction.

💡 Read more: Cash or card in Japan: Which is the best way to pay?

How to withdraw money in Japan with the Wise card?

Once you find a Japanese ATM that supports international cards (AEON, E-net, and Daily Yamazaki ATMs are the best options), you can insert your Wise debit card and withdraw cash.

Here’s what the process typically looks like:

Insert your card into the ATM
Enter your PIN
Select the withdrawal option and enter the amount you need
Select to get paid in the local currency, but avoid letting the ATM do the conversion
Collect your cash and take your card

If you encounter a problem when entering your PIN, it may be because the ATM only accepts 5- or 6-digit PINs. In this case, try adding one or two zeros to the end of your 4-digit PIN.

For example, if your PIN is ‘1234’, try entering ‘12340’ or ‘123400’.

💡 Read more: How to use the UK-issued Wise card abroad

How to use the Wise digital card at an ATM in Japan

To withdraw money from Wise in Japan with your digital Wise card, follow the same steps as you would with a physical card. However, the only difference is that you’ll need to use an ATM that supports contactless payments when using a digital card.

Where to withdraw cash in Japan with the Wise card?

Not all ATMs in Japan accept international cards. Local withdrawals in Japan are typically only supported at AEON, E-net, and Daily Yamazaki ATMs, though it's not guaranteed.

If you’re unsure whether there’s one near you, you can use the Visa ATM locator or Mastercard ATM locator. You can also look for Visa and Mastercard logos on the ATMs.

Post offices and 7-Eleven stores are also a good place to start. They typically accept foreign cards and are widely available throughout the country.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.