Credit Cards
Credit cards are widely used in Japan, but not everywhere. Small restaurant establishments, souvenir stalls, etc. will likely not accept credit cards. In Japan, VISA is most widely accepted, followed by MasterCard, American Express, JCB and Diners. Discover is NOT accepted.

ATM's
Don't rely on cash advances. They are at best, bothersome. Most ATMs in Japan do not accept foreign credit cards for cash advances even when they display VISA and MasterCard logos (besides, instructions will be in Japanese!). However, in big cities, there are some global ATMs whose ATMs accept Cirrus or Plus network credit cards (see VISA global ATM locator, MasterCard global ATM locator, and Citibank global ATM locator), as well as Citibank branches whose ATMs are open 24/7.

Travelers Cheques (TCs)
As you may know, the safest and most practical way to carry money is in TCs. Besides, the exchange rate for TCs is more favorable than for cash. We suggest you purchase TCs in Japanese yen before you leave. Cashing TCs in US dollars usually involves more trouble in Japan (exchanges rates vary daily and place to place). Last summer, Mary purchased her TCs in yen at AAA (no service charge for AAA members), but they are also available at large banks and such credit card companies as American Express and VISA. Don't plan on purchasing any goods or services with TCs (the majority of Japanese have never used TCs in their own currency!). Instead, exchange several at a time for cash. You can cash TCs in yen normally with no charge at hotels, large department stores, or banks in Japan. Hotels are the most convenient, stay open later than banks (Japanese banks are usually open from 9 am to 3 pm weekdays and closed weekends and national holidays).

Personal Checks
No stores in Japan will accept your personal checks!

Cash
US dollars can be only accepted in some shops at international airports or special stores catering foreign visitors, so have local currency hand. Some of you may feel uncomfortable carrying a large amount of cash, but it is pretty ordinary for people in Japan, where the crime rate is low, to walk around with the equivalent of a couple hundred dollars in their wallets. Still, you should take the usual precautions (e.g. don't leave your purse unattended or put your wallet anywhere easily noticeable and accessible to others, etc.).

Taxes
Most items purchased in Japan are subject to a 5.5 % consumer tax. In addition, some restaurants and hotels have 10 - 15 % service charges added to your bills.

Tipping & Bargaining
There is practically no tipping or bargaining in Japan.

Personal Nightmare Experiences

Additional Resources