Japan ATMs at Night: Why Can’t I Take Out My Cash?

Japanese ATM at night

Japan is known for its cutting-edge technology, seamless systems and punctual trains, but what about its banking services? In particular, what about the ATM machines in Japan? Are they accessible at all hours of the night, like the bright lights of Tokyo never sleep? Do they offer a range of services, from cash withdrawal to paying bills?

In short: No. But, Maybe. Some ATMs may have limited hours of operation and close during certain hours, including late at night or early in the morning. This is typically due to the operating hours of the bank or post office that manages the ATM. Expect something along the lines of 7am – 10pm.

However, many ATMs in Japan are available 24 hours a day, 7 days a week, providing users with round-the-clock access to cash. These ATMs are usually located in convenient locations, such as train stations, convenience stores, and shopping centers, making it easy for users to access their cash whenever they need it.

Japanese ATM at night

Japanese ATM Networks and Availability

The ATM machines in Japan, like the country itself, are a well-oiled machine, with a network that stretches far and wide. They are found in nearly every corner of the country, from busy city centers to the quiet countryside, providing easy access to your hard-earned cash whenever you need it.

There are two main types of ATMs in Japan: post office ATMs and bank ATMs. Post office ATMs can be found in post offices and are usually open during the same hours as the post office itself. Bank ATMs, on the other hand, are open 24/7 and can be found in a variety of locations, including banks, convenience stores, and shopping centers.

In terms of ATM networks, Japan is on par with countries like the United States and the United Kingdom. With thousands of ATMs across the country, you’ll never have to worry about finding one when you need it.

Overall, the availability and accessibility of ATMs in Japan is a testament to the country’s commitment to providing top-notch banking services to its citizens and visitors alike.

Japanese ATM at night

Best ATMs to use in Japan

When you’re in Japan, these are your best bets for finding ATMs that accept foreign cards:

  • 7-Bank ATMs at over 20,000 7-Eleven stores and other locations
  • Postal ATMs at over 20,000 post offices
  • Family Mart and Lawson convenience stores (but not all of them)
  • Major airports, department stores, and Shinsei Bank branches
  • Aeon Bank ATMs at Aeon malls and selected locations

Note that major Japanese banks are also increasing the number of ATMs that accept foreign cards, especially in tourist-heavy areas.

With these ATMs, you can withdraw cash using your foreign credit or debit card, including ones from Visa, Plus, Mastercard, Maestro, Cirrus, Union Pay, American Express, and JCB.

Japanese ATM at night

Safety and Security of Japanese ATMs at Night

Like a fortress, the ATM machines in Japan are protected by a variety of measures to ensure the safety and security of users. Banks and the government work together to implement strict security protocols and state-of-the-art technology to prevent fraud and theft.

For example, many ATMs in Japan use biometric identification, such as fingerprints or facial recognition, to confirm the user’s identity. They also feature surveillance cameras to monitor transactions and deter any illegal activity.

The safety measures taken by Japan’s ATM network compare favorably to those in other countries. For example, in some countries, ATMs are commonly located in poorly lit or isolated areas, making them easy targets for crime. In Japan, however, ATMs are usually located in busy, well-lit areas, making them safer for users.

To ensure your safety when using ATMs at night, it is important to follow basic safety tips such as being aware of your surroundings, keeping your PIN number confidential, and reporting any suspicious activity to the authorities.

In short, the safety and security of Japanese ATMs at night is taken very seriously and users can rest easy knowing that their transactions are protected.

Japanese ATM at night

Withdrawal Limits and Fees for Japanese ATMs

Money talks, but in Japan, it’s also efficient. Withdrawal limits for ATMs in Japan are generally high, allowing users to take out large sums of cash in one transaction if necessary. This is particularly useful for travelers who need to withdraw a large amount of cash for their trip.

In terms of fees, using ATMs in Japan is a cost-effective option, with most banks and post offices charging a nominal fee or none at all. For international visitors, fees can vary depending on the bank and the country the card was issued in. It is best to check with your bank or card issuer for details on any fees associated with using ATMs in Japan.

While there may be some fees associated with using ATMs in Japan, the convenience and accessibility of the ATM network more than make up for it. With high withdrawal limits and low fees, you can enjoy peace of mind knowing that you can access your cash whenever and wherever you need it.

Japanese ATM at night

Things to think about before heading to a Japanese ATM:

Before you jet off to Japan, make sure you’ve got these things sorted for smooth ATM withdrawals:

  • Check if your credit/debit card works internationally.
  • Know your card’s 4-digit PIN.
  • Find out about any fees or limits for using your card abroad.
  • Give your bank a heads up that you’ll be using your card overseas.
  • Check if your card has any travel alerts or restrictions.
  • Make sure to carry some backup cash just in case.
Japanese ATM at night





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