ATM withdrawal limits in Japan in 2026: bank, card, and tourist limits explained
⚡ 30-Second Answer: Japan ATM per-withdrawal cap: 7-Eleven ¥100K, Aeon ¥100K, Japan Post ¥50K, Lawson Bank ¥100K. Daily total cap depends on your issuing bank (typically $300-1,000 equivalent). Wise's free allowance is now much smaller — a region-based monthly allowance (US $250 / JP ¥25,000 / EU €250), then a ¥100 fixed + 1.75% fee (Wise tightened this on May 1, 2026; it used to be far more generous). Multiple ATMs bypass per-withdrawal caps, but massive single-spot withdrawals trigger fraud alerts = freeze risk.
Quick Reference
Value
7-Eleven per-withdrawal
¥100,000
Aeon per-withdrawal
¥100,000
Japan Post per-withdrawal
¥50,000
Lawson Bank
¥100,000
Daily total
Per card
Wise free allowance
a region-based monthly allowance (US $250 / JP ¥25,000 / EU €250)
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Contents📖 ~8 min read
Three different limits stack when you withdraw yen at a Japanese ATM — the machine's per-transaction cap, your card's daily limit, and a rare-but-real annual tourist AML threshold. For most tourists, the binding constraint is the card-side daily limit (typically ¥30,000–¥100,000 depending on your home bank), not the ATM itself. Seven Bank caps ¥100,000 per transaction with no formal daily ceiling on the machine side, so the practical question is: have you raised your card's daily limit before flying? On a 2-week trip, the most common failure mode is hitting your card's home-bank daily cap on day 1, then being stuck waiting 24 hours for the limit to reset.
TL;DR
Seven Bank: ¥100,000 per single transaction, no rigid daily cap from the machine — you can withdraw twice in a row if your card allows
Your card's daily limit: typically ¥30,000–¥100,000 — this is usually the binding constraint
Wise / Revolut: app-controlled daily limit, can be raised mid-trip for free — but note Wise's free withdrawal allowance itself is now only ¥25,000/month (cut from a much higher figure in May 2026); above that you pay ¥100 + 1.75% per withdrawal
Tourist AML threshold: cumulative ¥1,000,000+ in a year triggers ID-verification on some networks (rare for typical trips)
The fix: raise your card daily limit in your home-bank app before flying
The three limits explained
1. ATM (machine-side) per-transaction limit
Seven Bank: ¥100,000 per single withdrawal
Japan Post: ¥50,000 per single withdrawal (foreign cards)
AEON Bank: ¥100,000 per single withdrawal
FamilyMart e-net: ¥100,000 per single withdrawal
Lawson Bank: ¥100,000 per single withdrawal
These are the limits the ATM screen enforces. Nothing to do with your card.
Trick: at Seven Bank, you can normally do two consecutive ¥100,000 withdrawals to get ¥200,000 out, as long as your card limit allows. The machine doesn't refuse you between the two; only your card's daily cap might.
2. Card (issuer-side) daily limit — this is usually what stops you
Your home-bank card has a daily international ATM withdrawal limit. Typical values:
Card type
Typical daily limit
US bank debit (Chase, BofA, Wells Fargo)
$300–$600 (~¥45K–¥90K)
US credit-union debit
$500–$1,000 (~¥75K–¥150K)
EU bank debit
€500–€2,000 (~¥80K–¥320K)
Wise card
Daily limit is app-set and raisable to £3,000/day, but the free withdrawal allowance is only ¥25,000/month (¥100 + 1.75% fee above that, since May 2026)
Revolut card
Plan-dependent — Standard ¥40K/month free, Premium higher
UnionPay (China)
¥100,000–¥1,000,000 depending on issuer
Korean debit
¥500,000+ daily typical
This is almost always the binding constraint for foreign tourists. If your bank's app shows a $300/day limit on international ATM withdrawals, that's what you'll hit at Seven Bank — not the ¥100,000 machine cap.
Action item before flying: open your home-bank app, find the international ATM limit, raise it to the maximum your bank allows. For some US banks this means a phone call before you fly. Do it.
3. The cumulative-trip AML threshold (rare)
Japan's AML (anti-money-laundering) framework includes a soft threshold around ¥1,000,000 cumulative per foreign person per year for "no-ID-needed" cash transactions. In practice this affects:
Currency exchange at staffed counters: cumulative exchange over ¥1,000,000 → photo ID + paperwork
ATM withdrawals: theoretically tracked but rarely enforced for foreign cards
Large hotel cash payments: paperwork over ¥1,000,000
For a typical 2-week trip spending ¥200,000–¥500,000 in cash, you'll never see this threshold. For business travelers and digital nomads spending months in Japan, it can become relevant — keep withdrawals spread across multiple cards / networks.
How to plan a 2-week trip without running out
Goal: typical 2-week trip wants ¥150,000–¥300,000 of yen access (cash for ryokan, cash-only restaurants, taxis, ATM-based card-trip top-ups).
(If you're carrying Alipay, WeChat Pay, Kakao Pay or a similar wallet, you may not need quite this much — a growing number of PayPay-accepting stores now take these directly, more here. ATM cash is still worth having as backup for the places that stay cash-only.)
Path A: Raise your home-bank daily limit (free, recommended)
Before flying: log into your bank's app, find "international ATM withdrawal limit" or "daily ATM limit", raise to max (typically ¥100,000–¥150,000 equivalent)
In Japan: withdraw ¥50,000–¥100,000 every 3–4 days as needed from any Seven Bank ATM
Cost: your bank's standard international ATM fee + FX margin (typically 1–3% total)
Path B: Wise / Revolut card (often the cheapest)
Before flying: load $500–$1,000 USD into Wise — get JPY at mid-market rate
In Japan: withdraw JPY at any Seven Bank ATM, paying only Seven Bank's fixed fee (~¥220 per transaction)
Daily limit: raisable to £3,000/day in-app for free — but that's the transaction limit, not the free limit. Wise only waives its own withdrawal fee on the first ¥25,000/month; past that you pay ¥100 + 1.75% per withdrawal (Wise cut this allowance sharply on May 1, 2026)
Total cost: within the free monthly allowance you're still close to mid-market; past it, budget for the ¥100 + 1.75% on top
Path C: Multiple cards, one per day
If you can't raise the limit, rotate cards: Card A on day 1, Card B on day 2, repeat. Each card hits its own daily limit independently. Useful if you have a backup card you weren't planning to use.
The day-1 cash plan
Practical recipe for landing in Japan with empty pockets:
At the airport: withdraw ¥30,000 from any 7-Eleven (in arrivals or just outside the terminal — both Narita and Haneda have them) with your primary card
Day 2 morning, in town: withdraw another ¥50,000 from a downtown 7-Eleven to get to typical cash float
Mid-trip, day 6–8: top up ¥50,000 once
End of trip, last 2 days: keep withdrawals minimal, draw down existing yen so you don't end with a large pile
This pattern keeps each withdrawal well under most home-bank daily limits, so you almost never hit the constraint.
What if you're declined at the ATM?
Common scenarios and fixes:
"Transaction declined" with no other info
Most likely cause: your card's daily limit was hit. Try again after midnight your home-bank time (not Japan time — your bank's clock matters).
Less likely: your card's foreign-ATM lock is on. Open your bank app and check "international transactions enabled".
Rare: your card is in a fraud-hold. Some banks freeze cards on first foreign use. Call them.
"Card not accepted" before PIN entry
The ATM probably doesn't accept your card's network. Try another ATM (Seven Bank accepts more networks than Japan Post, etc.)
Or try changing the card type at the Seven Bank language menu — sometimes it auto-detects wrong.
Multiple ATMs decline you
Almost certainly a card-side block. Use your backup card. Call your bank.
Hidden caps you may not have known about
Some US banks (Bank of America, in particular) apply a 30-day rolling cap on international withdrawals — typically $2,000–$3,000. Hit this and the card is locked until next month.
Travel cards (Revolut Standard, Wise free tier) have monthly free withdrawal allowances — going past triggers a per-transaction fee (1–2%).
Pre-paid travel cards (Travelex Money Card, etc.) have per-card lifetime caps that almost no traveler hits but are documented in the T&Cs.
For a 2–3 week vacation, none of these usually matter. For a multi-month stay, all of them do.
FAQ
Does Seven Bank charge more for withdrawing at night or on weekends?
No — for foreign-issued cards, the Seven Bank fee is flat regardless of time of day (unlike domestic Japanese cards, which do have time-of-day pricing at some banks). Budget ¥110–¥220 from Seven Bank's side, plus whatever your card issuer adds.
Can I withdraw more than ¥100,000 in one visit by using a different ATM operator right after?
Yes — the per-transaction cap is set by the machine, not by a shared network total, so withdrawing ¥100,000 at Seven Bank and then ¥50,000 at a Lawson Bank ATM ten minutes later works, as long as your card's own daily limit still has room.
