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Konbini ATM Compatibility Finder

Pick your card network — get which Japanese ATM networks accept your card, fees, and 24/7 availability.

What this solves / who it's for

Japanese ATMs have a notoriously complicated compatibility matrix: not all bank ATMs accept foreign cards, not all konbini ATMs work with all networks, and most bank ATMs close at 18:00 (or 21:00). The single most reliable way to get cash as a foreign visitor is the 7-Eleven 7-Bank ATM, which accepts Visa/Mastercard/Amex/Plus/Cirrus/UnionPay 24/7 in English/Chinese/Korean. This tool picks the right ATM for your card network, shows the fee structure, and explains why 7-Bank is the only 24/7 reliable option. Best for: anyone who needs cash and doesn't want to be stuck at 22:00 with no functioning ATM.

7-Bank at 7-Eleven: the only reliable 24/7

Of all Japanese ATM networks, only 7-Bank (in every 7-Eleven) reliably accepts international cards 24/7. JP Bank (post office) accepts them but closes at 21:00 weekdays, 17:00 Sat. SMBC/MUFG/Mizuho ATMs in bank branches close at 18:00 weekdays, are closed weekends. Lawson and FamilyMart ATMs often reject foreign cards or have limited hours. The 7-Bank fee is ¥110 + your home bank fee.

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Per-network compatibility

Network 7-Bank (7-Eleven) JP Bank (Post Office) SMBC / MUFG Lawson / FamilyMart
Visa✅ 24/7✅ until 21:00❌ limited✅ most
Mastercard✅ 24/7✅ until 21:00❌ limited✅ most
Amex✅ 24/7✅ until 21:00❌ usually⚠️ spotty
UnionPay✅ 24/7✅ until 21:00❌ rare⚠️ limited
JCB✅ 24/7✅ until 21:00✅ standard✅ most
Diners✅ 24/7✅ until 21:00⚠️ limited⚠️ spotty

How to interpret the result

The fee estimate combines ¥110 base (typical Japanese ATM fee) + your home bank's international fee. JP Bank closes earlier; SMBC/MUFG branches close at 18:00. 7-Bank is the only reliable option after 21:00 and on weekends. Even when an ATM "accepts" your card, your home bank may decline the transaction (daily limits, fraud detection). Always notify your bank before international travel.

Pro tips & common pitfalls

  • • Always notify your home bank before traveling — fraud detection may block ATM transactions.
  • • Set a reasonable daily ATM limit on your card before leaving home.
  • • 7-Bank fee: ¥110 per transaction, plus your home bank fee ($1–5 USD typical).
  • • Maximum 7-Bank withdrawal: ¥100,000 per transaction. Withdraw large once, not small often.
  • • Currency conversion: choose "without conversion" at the ATM — let your home bank do it (better rate).
  • • At the 7-Bank ATM, language toggle: press the button on screen for English, Chinese, Korean.

Frequently asked questions

Why don't Japanese bank ATMs accept my Visa/Mastercard?
Most Japanese bank ATMs run on different processing networks that prioritize domestic Japanese cards. Only major bank ATMs at large branches have international network acceptance, and many close at 18:00. 7-Bank (7-Eleven) is set up specifically to accept international cards — that's its main selling point.
Is there a withdrawal limit per transaction?
Yes. 7-Bank: ¥100,000 (¥50,000 minimum at some machines). JP Bank: ¥100,000. Most allow multiple consecutive transactions (no daily limit, just per-transaction). Note: your home bank may have its own daily limit.
Why was my card declined even though the ATM accepted it?
Most common: PIN issue (you entered wrong) or daily limit. Less common: card expired, fraud block (notify bank), unsupported type (some prepaid cards don't work). Try again, then call your bank.
Are there ways to avoid the ¥110 fee?
Some bank accounts refund ATM fees (Charles Schwab, Wise, Revolut — verify for Japan). If your home bank refunds, you pay only FX margin. Otherwise, withdraw ¥100,000 at once to amortize the ¥110 fee over more yen.
What about contactless/cardless ATM withdrawals?
Some Japanese bank ATMs support NFC/contactless card readers (look for the wave symbol). 7-Bank added NFC in 2024 for Apple Pay and Google Pay users. Most still require physical card + PIN. Mobile wallets (Apple Pay Suica) work for purchases but not ATM cash.

Known limitations

Compatibility data is current as of 2024; ATM networks adjust acceptance periodically. Some bank ATMs accept foreign cards only at "international branches" — Shinjuku, Shibuya, Roppongi area branches typically work, rural branches often don't. The fee shown is the Japanese side only — your home bank may charge $1–5 USD per transaction plus FX margin. Note: not all international ATMs at banks work after-hours, even when the branch is open. Always check the operating hours.