Best ATMs in Ginza for foreign cards in 2026

⚡ 30-Second Answer: Best 24h ATMs in Ginza: ①7-Eleven near Wako (Chuo-dori), ②7-Eleven behind Matsuya, ③Aeon Bank ATM inside Mitsukoshi Ginza (mid −0.5%, weekday only). All accept Visa/Mastercard/AmEx/Diners; JCB only at some. Per-withdrawal cap ¥100,000, English UI available. Old konbini ATMs near Shimbashi/Kyobashi have lower card-read success.

Quick Reference	Value
24h ATM (1)	7-Eleven near Wako
24h ATM (2)	7-Eleven behind Matsuya
Weekday ATM	Aeon Bank Mitsukoshi (−0.5%)
Withdrawal cap	¥100,000
Card support	Visa/MC/AmEx/Diners
Last verified	June 2026

Ginza has 12+ 7-Eleven Seven Bank ATMs and 4+ Japan Post Bank ATMs within 500 meters of Ginza 4-chome intersection, all accepting foreign cards 24/7 (Seven Bank) or during business hours (Japan Post). With Ginza's tax-free shopping density and luxury retail focus, topping up cash before the major department stores open is handy. For foreign cards the ATM fee is set by the amount you withdraw (¥110 ≤¥10,000 / ¥220

¥10,000), not the time of day. This guide ranks the top ATM locations by walking distance from Ginza 4-chome.

TL;DR

• Most convenient: 7-Eleven Seven Bank ATM inside Mitsukoshi Ginza or Matsuya Ginza (department-store ATMs).
• Fee: ¥110 (≤¥10,000) / ¥220 (>¥10,000), regardless of time — for foreign cards the fee is amount-based, not time-based.
• Best for late night: any 7-Eleven Seven Bank ATM in Ginza — 24/7 service.
• For larger withdrawals: Japan Post Bank ATMs at major post offices (similar fee, similar rate).

Why does Ginza need ATM coverage?

Three reasons specific to Ginza:

1. Tax-free shopping pre-payment

Some luxury retailers (Mitsukoshi, Wako, Tiffany) prefer cash for the highest tax-refund tier or for "courtesy" perks. Having quick ATM access before shopping helps.

2. Restaurant cash needs

Many high-end Ginza restaurants are card-friendly, but some traditional sushi counters and kaiseki places remain cash-only. Having ¥30,000–¥50,000 cash before dinner is common.

3. Luxury hotel deposits

Some Ginza hotels (Imperial, Peninsula, certain Hosho-branded hotels) request cash deposits at check-in.

For these scenarios, foreign-card ATM access is the practical default.

Worth remembering: Ginza has the highest density of foreign-card-accepting ATMs of any Tokyo district outside Shinjuku — a structural reflection of the area's tourist shopping volume.

Where are the best 7-Eleven Seven Bank ATMs in Ginza?

12+ 7-Eleven stores in central Ginza, all with 24/7 ATMs:

The most convenient: inside Mitsukoshi Ginza or Matsuya Ginza. These are at the heart of Ginza 4-chome and combine tax-free shopping with same-building ATM access.

What about Japan Post Bank ATMs in Ginza?

4 major Japan Post locations:

Japan Post fees match Seven Bank but with stricter business- hour limits (closed evenings).

→ Article #77: Japan Post Bank ATMs full guide.

What about Aeon Bank ATMs in Ginza?

Aeon Bank has limited foreign-card support. A few major Aeon Bank ATMs in Tokyo accept Visa/Mastercard, but most don't. For Ginza specifically, stick to 7-Eleven Seven Bank or Japan Post.

What's the optimal Ginza ATM strategy?

For a typical shopping day in Ginza:

Step 1 — Plan your peak cash needs

Identify the upfront cash requirements: dinner (¥10,000), small shopping (¥5,000), buffer (¥5,000). Total: ¥20,000.

Step 2 — Don't worry about timing

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 one. Withdraw whenever suits your shopping.

Step 3 — Pick the closest ATM

Mitsukoshi Ginza or Matsuya Ginza is the easiest. Standalone 7-Eleven shops along Chuo-dori are equally good.

Step 4 — Withdraw the round amount

¥20,000 in one transaction (or ¥10,000 + ¥10,000 if your card's daily limit is lower).

Step 5 — Decline DCC

Choose JPY when prompted, never your home currency.

What about ATM withdrawal limits in Ginza?

Limits are by card, not by ATM. Common defaults:

For larger Ginza shopping budgets (¥50,000+), raise your card's daily limit in the issuer's app or do consecutive withdrawals.

What about late-night Ginza ATMs?

Ginza's nightlife extends until 2 am or later. For after-hours ATM access:

• 7-Eleven Seven Bank ATMs — 24/7 in 12+ Ginza locations
• Japan Post ATMs — closed 21:00 onwards at most locations
• Aeon Bank ATMs — closed evenings; not recommended

For foreign cards the fee does not change at night — it's ¥110 for ≤¥10,000 and ¥220 for >¥10,000 around the clock — so a late-night Ginza withdrawal costs no more than a daytime one. Just find an open 7-Eleven.

What this means for your visit

• ✅ Use 7-Eleven Seven Bank ATMs for default Ginza withdrawals — closest to the action.
• ✅ Fee is amount-based, not time-based (¥110 ≤¥10,000 / ¥220 >¥10,000) — withdraw whenever's convenient, day or night.
• ✅ Mitsukoshi Ginza or Matsuya Ginza ATMs are the most convenient for tax-free shopping pairings.
• ✅ Use a no-FX-fee card (Wise, Revolut, Capital One, Schwab) for the lowest total cost.
• ⚠️ Skip Aeon Bank ATMs in Ginza — limited foreign-card support.
• ⚠️ Don't rely on Japan Post Bank for late-night needs — closed evenings.

Frequently asked questions

Can I use my non-Visa/non-Mastercard card at Ginza ATMs?

Most 7-Eleven Seven Bank ATMs accept Visa, Mastercard, JCB, UnionPay, Amex, Discover, Cirrus, and PLUS. Regional Asian cards without international co-brand may not work. Test with a small ¥1,000 withdrawal first.

What's the largest single withdrawal at a Ginza ATM?

¥100,000 per transaction is the ATM-side limit. Card-side limit varies by issuer (typically ¥30,000–¥100,000 daily).

Are there 24-hour ATMs at Ginza luxury hotels?

Some 5-star hotels (Imperial, Peninsula) have ATMs in the lobby; rates and fees may differ from 7-Eleven. For best rate, walk to the nearest 7-Eleven instead.

Will my Wise card work for tax-free purchases at Ginza?

Yes — Wise works as Visa/Mastercard at every Ginza retailer that accepts foreign cards. Tax-free refund is processed at the in-store counter regardless of payment method.

What about ATMs at Tokyo Station (close to Ginza)?

Tokyo Station has multiple 7-Eleven Seven Bank ATMs inside the station gates and Japan Post Bank ATMs at the Tokyo Central Post Office. Useful if you're already at Tokyo Station; not a detour from Ginza.

What's the closest 7-Eleven ATM to Apple Ginza?

Apple Ginza is on Chuo-dori at Ginza 3-chome. Multiple 7-Eleven stores within 200 meters; the one inside Mitsukoshi Ginza is the closest at 100m.

Are there ATMs at Yurakucho or Tokyo Marunouchi?

Yes — both adjacent to Ginza have multiple 7-Eleven and Japan Post ATMs. Yurakucho is 400m walking from Ginza 4-chome; Marunouchi is 600m.

Put this to work — live rates on Yen Finder

Yen Finder's Map tab shows every 7-Eleven and Japan Post ATM in Ginza with current operating hours and fee timing windows. Filter by "ATM type" and "Open Now" for the most convenient option.

See also

• Ginza money guide
• 7-Eleven Seven Bank ATM full guide
• Japan Post Bank ATMs

Last verified 2026-06-19. Ginza's ATM density is stable; new locations open occasionally as tourism grows.