Best 24-hour ATMs in Shinjuku for foreign cards in 2026
⚡ 30-Second Answer: Top 3 24h ATMs in Shinjuku: ①7-Eleven in front of Yodobashi (West, 2min from station), ②7-Eleven Mora 4 (East, 3min, before Kabukicho), ③Aeon Bank ATM Nishi-Shinjuku (24h). After 23:00, 7-Eleven is the cheapest option. With a no-FX-fee card (Wise/Revolut), the exchange happens near the mid-market rate (about mid −0.5%) plus the per-withdrawal ATM fee. Per-withdrawal cap: ¥100,000. Rates move daily — check the live rate (yenfinder live-tracks World Currency Shop only).
Quick Reference Value West-side best 7-Eleven (Yodobashi front) East-side best 7-Eleven Mora 4 Nishi-Shinjuku Aeon Bank ATM Per-withdrawal cap ¥100,000 Hours 24 hrs / 365 days Last verified June 2026
Shinjuku has 25+ 7-Eleven Seven Bank ATMs operating 24/7 with full foreign card support, plus 8+ Japan Post Bank ATMs (limited hours). Three of the Seven Bank ATMs are inside JR Shinjuku Station, accessible without leaving the gates — making them the fastest cash source for after-hours arrivals. This guide ranks the top locations by walking distance from major exits and explains the (amount-based, not time-based) foreign-card fee.
TL;DR
- Most convenient: 7-Eleven Seven Bank ATMs inside JR Shinjuku Station (3 locations, 24/7).
- Fee: ¥110 (≤¥10,000) / ¥220 (>¥10,000), regardless of time — for foreign cards the fee is amount-based, not time-based.
- For non-Tokyo cards: 7-Eleven and Japan Post both accept Visa/Mastercard/JCB/UnionPay/Amex/Discover.
- Skip Aeon Bank ATMs in Shinjuku — limited foreign-card support.
Why Shinjuku has so many 24-hour ATMs
Shinjuku is one of the world's busiest commercial districts. The combined demand from:
- Late-night shoppers and nightlife crowd
- Business travelers needing cash for taxis
- Foreign tourists arriving on overnight flights
- 24-hour restaurants and shops
drives a 24-hour ATM density that's among the highest in Tokyo. Most major 7-Eleven stores have 24-hour ATMs; the JR Station itself has 3 inside the gates.
The bottom line: within 1 km of JR Shinjuku Station, there are roughly 30+ ATMs that accept foreign cards 24/7 — the highest density in central Tokyo.
Where are the 24-hour ATMs?
Inside JR Shinjuku Station (Seven Bank, 24/7)
- West Exit concourse — accessible from the JR West Exit
- East Exit concourse — near the East Exit gates
- Shin-Minami (New South) Gate — for travelers from the south side
These three are the fastest after-hours options.
7-Eleven Stores Within 200 m of Major Exits
| Exit | Closest 7-Eleven Seven Bank ATM | Walking time |
|---|---|---|
| West Exit | Yodobashi Camera 7-Eleven | 2 min |
| West Exit | Shinjuku Mitsui Building 7-Eleven | 3 min |
| East Exit | Kabukicho Ichibangai 7-Eleven | 2 min |
| East Exit | Shinjuku Don Quijote 7-Eleven | 4 min |
| South Exit | Shinjuku Station South 7-Eleven | 2 min |
| Shin-Minami | Shinjuku Station Shin-Minami 7-Eleven | 1 min |
Late-Night Convenience Stores
Most Shinjuku 7-Eleven, Lawson, and FamilyMart locations operate 24-hour Seven Bank ATMs. There are typically 3–5 locations within 5 minutes' walk of any Shinjuku address.
What about Japan Post Bank ATMs in Shinjuku?
Japan Post is closed evenings at most locations. The few relevant for Shinjuku:
| Location | Hours |
|---|---|
| Shinjuku Post Office (West Exit) | 9:00–18:00 weekdays only |
| Shinjuku South Post Office | 9:00–18:00 weekdays only |
| Yotsuya Post Office | 9:00–18:00 weekdays only |
For 24/7 foreign-card service in Shinjuku, stick to Seven Bank. Japan Post is the daytime backup.
→ Article #77: Japan Post Bank ATMs full guide.
What's the fee for Shinjuku Seven Bank ATMs?
For foreign-issued cards the fee depends on the withdrawal amount, not the time or day. The "cheaper on weekday daytime" schedule is the domestic Japanese-card rule and does not apply to foreign cards.
| Withdrawal amount | Fee (foreign cards) |
|---|---|
| ¥10,000 or less | ¥110 |
| More than ¥10,000 | ¥220 |
So a typical Shinjuku tourist withdrawing ¥30,000 pays ¥220 whether it's a Tuesday afternoon or a Sunday night — there's no cheaper window to wait for. The only lever is the withdrawal amount.
What's the optimal Shinjuku ATM strategy?
For a Shinjuku-anchored 7-day trip:
Step 1 — Plan upfront
Estimate cash needs for the trip; subtract what you'll get from exchange shops; calculate ATM withdrawals needed.
Step 2 — Don't bother timing your withdrawals
For foreign cards the fee is amount-based (¥110 ≤¥10,000 / ¥220 >¥10,000), not time-based, so a night or weekend withdrawal costs the same as a weekday-daytime one. Just go when it's convenient.
Step 3 — Pick a 7-Eleven inside the JR station
The 3 inside-station 7-Eleven ATMs are the most convenient.
Step 4 — Decline DCC
Choose JPY when prompted, never your home currency.
Step 5 — Use a no-FX-fee card
Wise, Revolut, Capital One, Schwab, etc. for the lowest total cost.
→ Article #76: 7-Eleven Seven Bank ATM full guide.
What this means for your visit
- ✅ Use the 3 inside-station Seven Bank ATMs for fastest service in Shinjuku.
- ✅ Fee is amount-based, not time-based (¥110 ≤¥10,000 / ¥220 >¥10,000) — withdraw whenever's convenient, no need to wait for a weekday window.
- ✅ Use a no-FX-fee card (Wise, Revolut) for the lowest total cost.
- ⚠️ Don't rely on Japan Post Bank for late-night Shinjuku needs.
- ⚠️ Skip Aeon Bank ATMs in Shinjuku — limited foreign-card support.
Frequently asked questions
Are there Seven Bank ATMs at Shinjuku Sanchome (subway-side)?
Yes — multiple 7-Eleven stores in the Shinjuku Sanchome metro area, all with 24/7 ATMs. About 5–7 minutes' walk from the JR Shinjuku gates.
What if my card is declined at Shinjuku Seven Bank?
Common fixes: text your bank's international number to authorize, try a different ATM (some have outdated firmware), or use Japan Post during business hours.
Will the JR Shinjuku Station ATMs accept foreign coins?
No — Seven Bank ATMs are withdrawal-only for foreign cards. Foreign coins can be converted via Pocket Change kiosks at the station.
How do I find the closest Shinjuku ATM right now?
Yen Finder's Map tab shows all 7-Eleven and Japan Post ATMs in central Tokyo, with current operating status. Use the "Open Now" filter for after-hours options.
What's the largest single withdrawal at Shinjuku ATMs?
¥100,000 per transaction; ¥1,000,000 per day total. Card-side limit varies by issuer.
Does Wise card work at all Shinjuku 7-Eleven ATMs?
Yes — every 7-Eleven Seven Bank ATM in Shinjuku accepts Wise debit cards (Visa/Mastercard branded depending on country).
Are there ATMs at Shinjuku Sky Tower or Tokyo Metropolitan
Government Building? The Sky Tower has limited evening ATM access; Tokyo Metropolitan Government Building is mostly office; not foreign-card-friendly.
Check today's real rates on Yen Finder
Yen Finder's Map tab shows every Shinjuku ATM with current operating hours and fee timing. Filter by "ATM" and "Open Now" for the optimal pick.
See also
- Where to exchange USD in Shinjuku
- Shinjuku East vs West Exit
- International debit cards
- 7-Eleven Seven Bank ATM full guide
Last verified 2026-05-07. Shinjuku's ATM network is stable; new 7-Eleven openings expand coverage but the core inside- station ATMs are durable.