Haneda's 24-hour exchange counter in 2026: worth the worse rate?

Haneda's 24-hour currency exchange counters at Terminals 2 and 3 charge approximately 0.3–0.5% more than the same chain's daytime counters — translating to ~¥150–¥250 of additional cost on a $500 swap. For arriving tourists who genuinely need cash between 22:00 and 06:00, the convenience often wins. For amounts over ¥10,000 worth, walking to a 24-hour 7-Eleven Seven Bank ATM 100m away is consistently better.

TL;DR

Haneda 24-hour counters are at T2 (Japan Airport Terminal) and T3 (Travelex, Japan Airport Terminal, Shinhan Bank Japan).

Rate penalty: 0.3–0.5% above daytime same-counter rate.

Better alternative: 7-Eleven Seven Bank ATM (24/7, inside every terminal, ~0.5% below mid-market).

Use 24-hour counter only if amount is under ¥10,000 and you're rushed.

Where are the 24-hour exchange options at Haneda?

| Location | Chain | Hours | |---|---|---| | T1 | Travelex | 10:00–19:00 (closed nights) | | T1 | Pocket Change | 5:00–24:00 | | T2 (Intl Departure 3F) | Japan Airport Terminal | 6:30–21:30 | | T2 (Intl Departure 3F) | Travelex | 7:00–23:00 | | T2 (1F Domestic Arrival) | Pocket Change | 24/7 | | T2 (1F Intl Arrival) | Shinhan Bank Japan | 9:00–18:00 | | T2 (Intl Gate 2F) | Shinhan Bank Japan | 7:00–11:00 + 12:00–15:30 | | T3 (Airside 3F) | Travelex | 5:30–25:30 (essentially 24/7) | | T3 (3F Departure) | Japan Airport Terminal | 24/7 | | T3 (2F Arrival) | Japan Airport Terminal | 24/7 | | T3 (Airside Area F) | Shinhan Bank Japan | 24/7 | | T3 (2F Arrival) | Pocket Change | 24/7 |

The strict 24-hour services are at T3 (Japan Airport Terminal × 2, Shinhan Bank Japan, Pocket Change). Travelex T3 is essentially 24/7 with a brief 25:30 closure.

What's the rate penalty for 24-hour service?

For a typical $500 USD exchange:

| Source | Daytime rate | Late-night rate | Difference | |---|---|---|---| | Travelex T3 | 148.80 | 148.50 | 0.20% | | Japan Airport Terminal T3 | 147.80 | 147.50 | 0.20% | | Shinhan Bank Japan T3 | 146.50 | 146.20 | 0.20% |

The night rate is typically 0.2–0.4% wider spread than daytime. On $500: ¥150–¥250 of extra cost.

What's the alternative — the 7-Eleven Seven Bank ATM?

Inside every Haneda terminal (T1, T2, T3) there's a 24/7 7-Eleven Seven Bank ATM. Compared to the airport counters:

| Source | Yen received per $500 (late-night) | vs Travelex 24/7 | |---|---|---| | Haneda Travelex T3 (late) | ~¥74,250 | (Reference) | | Haneda Japan Airport Terminal T3 (late) | ~¥73,750 | −¥500 | | Haneda 7-Eleven Seven Bank ATM (Wise card) | ~¥75,400 | +¥1,150 | | Best in-town shop next morning | ~¥76,440 | +¥2,190 |

For a Wise/Revolut/Schwab/Capital One cardholder, the 7-Eleven ATM late-night beats every Haneda counter by ¥1,000+ on $500. The math is consistent at smaller amounts too.

When does the 24-hour counter actually win?

Two scenarios:

1. Card decline backup

Your card is declined at the 7-Eleven ATM (rare, but possible). The 24-hour counter is the immediate alternative.

2. Very small cash needs (¥5,000–¥10,000)

At small amounts, the rate-loss from the counter (¥30–¥80) is comparable to the time cost of finding the ATM. Convenience wins.

For everything else, use the ATM.

What this means for your trip

✅ Use a 7-Eleven Seven Bank ATM for late-night cash needs at Haneda.
✅ Use the 24-hour counter as backup if your card declines.
✅ Skip 24-hour exchanges entirely for amounts you don't immediately need — save the larger swap for in-town tomorrow.
⚠️ Avoid hotel front-desk even after late-night arrivals — worst rate.

Frequently asked questions

Will the 24-hour counter accept my card if my card is declined

at the ATM? Not necessarily — the same fraud detection that blocks the ATM may block the counter. Try a different card or text your bank.

Is Travelex T3's "5:30-25:30" essentially 24/7?

Yes — there's a 30-minute closure window between 25:30 (1:30 am the next day) and 5:30 am. Practically 22-hour service.

Can I exchange large amounts (¥100,000+) at the 24-hour

counter? Yes, up to the standard ¥2,000,000 limit. Identity verification required for amounts over ¥2,000,000.

Are the rates the same at all 24-hour counters?

Within a chain (e.g., Japan Airport Terminal at all 24-hour locations), yes. Between chains (Travelex vs Japan Airport Terminal vs Shinhan), they differ by 0.5–1.0%.

What about Pocket Change at the 24-hour locations?

Pocket Change at T2 and T3 is for foreign coin/bill conversion, not standard exchange. Use only for offloading leftover currency.

Open it live in Yen Finder

Yen Finder's Map tab shows all Haneda terminals with real-time operating status. Filter by "Open Now" to see only late-night options.

Haneda's 24-hour exchange counter in 2026: worth the worse rate?

TL;DR

Haneda 24-hour counters are at T2 (Japan Airport Terminal) and T3 (Travelex, Japan Airport Terminal, Shinhan Bank Japan).

Rate penalty: 0.3–0.5% above daytime same-counter rate.

Better alternative: 7-Eleven Seven Bank ATM (24/7, inside every terminal, ~0.5% below mid-market).

Use 24-hour counter only if amount is under ¥10,000 and you're rushed.

Where are the 24-hour exchange options at Haneda?

The strict 24-hour services are at T3 (Japan Airport Terminal × 2, Shinhan Bank Japan, Pocket Change). Travelex T3 is essentially 24/7 with a brief 25:30 closure.

What's the rate penalty for 24-hour service?

For a typical $500 USD exchange:

The night rate is typically 0.2–0.4% wider spread than daytime. On $500: ¥150–¥250 of extra cost.

What's the alternative — the 7-Eleven Seven Bank ATM?

Inside every Haneda terminal (T1, T2, T3) there's a 24/7 7-Eleven Seven Bank ATM. Compared to the airport counters:

For a Wise/Revolut/Schwab/Capital One cardholder, the 7-Eleven ATM late-night beats every Haneda counter by ¥1,000+ on $500. The math is consistent at smaller amounts too.

When does the 24-hour counter actually win?

Two scenarios:

1. Card decline backup

Your card is declined at the 7-Eleven ATM (rare, but possible). The 24-hour counter is the immediate alternative.

2. Very small cash needs (¥5,000–¥10,000)

At small amounts, the rate-loss from the counter (¥30–¥80) is comparable to the time cost of finding the ATM. Convenience wins.

For everything else, use the ATM.

What this means for your trip

✅ Use a 7-Eleven Seven Bank ATM for late-night cash needs at Haneda.
✅ Use the 24-hour counter as backup if your card declines.
✅ Skip 24-hour exchanges entirely for amounts you don't immediately need — save the larger swap for in-town tomorrow.
⚠️ Avoid hotel front-desk even after late-night arrivals — worst rate.

Frequently asked questions

Will the 24-hour counter accept my card if my card is declined

at the ATM? Not necessarily — the same fraud detection that blocks the ATM may block the counter. Try a different card or text your bank.

Is Travelex T3's "5:30-25:30" essentially 24/7?

Yes — there's a 30-minute closure window between 25:30 (1:30 am the next day) and 5:30 am. Practically 22-hour service.

Can I exchange large amounts (¥100,000+) at the 24-hour

counter? Yes, up to the standard ¥2,000,000 limit. Identity verification required for amounts over ¥2,000,000.

Are the rates the same at all 24-hour counters?

Within a chain (e.g., Japan Airport Terminal at all 24-hour locations), yes. Between chains (Travelex vs Japan Airport Terminal vs Shinhan), they differ by 0.5–1.0%.

What about Pocket Change at the 24-hour locations?

Pocket Change at T2 and T3 is for foreign coin/bill conversion, not standard exchange. Use only for offloading leftover currency.

Open it live in Yen Finder

Yen Finder's Map tab shows all Haneda terminals with real-time operating status. Filter by "Open Now" to see only late-night options.

Haneda's 24-hour exchange counter in 2026: worth the worse rate?

Where are the 24-hour exchange options at Haneda?

What's the rate penalty for 24-hour service?

What's the alternative — the 7-Eleven Seven Bank ATM?

When does the 24-hour counter actually win?

1. Card decline backup

2. Very small cash needs (¥5,000–¥10,000)

What this means for your trip

Frequently asked questions

Will the 24-hour counter accept my card if my card is declined

Is Travelex T3's "5:30-25:30" essentially 24/7?

Can I exchange large amounts (¥100,000+) at the 24-hour

Are the rates the same at all 24-hour counters?

What about Pocket Change at the 24-hour locations?

Open it live in Yen Finder

See also

Related articles

Haneda's 24-hour exchange counter in 2026: worth the worse rate?

Where are the 24-hour exchange options at Haneda?

What's the rate penalty for 24-hour service?

What's the alternative — the 7-Eleven Seven Bank ATM?

When does the 24-hour counter actually win?

1. Card decline backup

2. Very small cash needs (¥5,000–¥10,000)

What this means for your trip

Frequently asked questions

Will the 24-hour counter accept my card if my card is declined

Is Travelex T3's "5:30-25:30" essentially 24/7?

Can I exchange large amounts (¥100,000+) at the 24-hour

Are the rates the same at all 24-hour counters?

What about Pocket Change at the 24-hour locations?

Open it live in Yen Finder

See also

Related articles