Haneda Airport money exchange 2026 — every counter, the 24-hour options, and the cash you need on day one
⚡ 30-Second Answer: Cash exchange at Haneda is pricey everywhere — roughly mid −4 to −7%. The cheapest option is the Seven Bank ATM (24h, every terminal; needs a foreign-issued physical card, ¥110–220 fee). True 24-hour counters exist only at Terminal 3: the Japan Airport Terminal counters (2F arrivals, 3F departures) and Shinhan Bank airside; Travelex T3 airside runs 5:30–25:30. Terminals 1 and 2 have no 24-hour counter (Travelex T2 7:00–23:00, T1 10:00–19:00). You need only ¥5,000–10,000 for day one (¥10,000 on a late flight) — exchange that much at most, and do the rest downtown.
Quick Reference
Value
Cheapest overall
Seven Bank ATM (physical card required)
24h cash counters
T3 only: Japan Airport Terminal (2F arr. / 3F dep.), Shinhan airside
Near-24h
Travelex T3 airside 5:30–25:30
T1 / T2 24h counter
None (Travelex T2 7–23, T1 10–19)
Airport rate
mid −4 to −7%
Day-one cash
¥5,000–10,000 (¥10,000 on a night flight)
Exchange at airport
¥10,000 or less — the rest downtown
Last verified
September 2026
✓ Last verified: Sep 2026
📖9 min read
Photo: Daniel L. Lu / Wikimedia Commons (CC BY-SA 4.0)
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The first thing you face when you land at Haneda is the "should I exchange at the airport or in town?" question. Bottom line: exchanging at Haneda is a bad deal on rate — about 4–7% below the mid-market rate, meaning you lose ¥3,000–¥5,000 on a $500 exchange versus a downtown shop. Still, you want a bit of cash for the train. This guide covers every counter by terminal (as listed in the Yen Finder store database), which ones actually run 24 hours, and exactly how much cash you need between the arrivals hall and your hotel.
Which Haneda arrival should do what?
If you're…
At Haneda, do this
Why
Carrying a Wise or Revolut card
Withdraw ¥10,000–30,000 at a Seven Bank ATM, skip the counters
Near mid-market vs the counter's −4–7%; top up downtown
A first-timer with only home cash
Exchange ¥10,000 max at a T3 counter, do the rest in town
Enough for the train + first meal without eating the airport spread
Landing after midnight
Seven Bank ATM first; if your card is declined, the Japan Airport Terminal counter in the T3 arrivals lobby
Downtown counters are closed; the JAT counter is the only real 24-hour walk-up option
Arriving at a domestic terminal (T1/T2)
Pull cash from the T1/T2 Seven Bank ATM — don't ride to T3 just to exchange
The shuttle time costs more than the rate difference on a small amount
A rate-maximizer changing a large sum
Change almost nothing at Haneda; go to a Shinjuku/Ginza counter
Haneda is 2–3× the in-town loss; the detour pays for itself above ~$500
Haneda exchange counters by terminal
Haneda has three terminals: T1 (JAL domestic), T2 (ANA domestic + some international), T3 (international). Most inbound visitors arrive at T3.
Terminal 3 (international)
Counter
Where
Hours
Notes
Japan Airport Terminal exchange
2F arrivals lobby
24 hours
The realistic late-night counter
Japan Airport Terminal exchange
3F departures lobby
24 hours
Same operator, same rates
Shinhan Bank Japan
3F airside, Area F
24 hours
After security only — for departing passengers
Travelex
3F airside
5:30–25:30
Widest currency list; 30-min closure at 1:30–5:30
Pocket Change kiosk
2F arrivals
24 hours
Converts leftover foreign coins/notes to e-money — not a cash exchange
Smart Exchange machine
T3 station platform level
5:00–24:00
Vending machine, no queue
Seven Bank ATM
Arrivals lobby (inside/next to 7-Eleven)
24 hours
Withdrawal only · physical card required · cheapest overall
Terminals 1 & 2
Counter
Where
Hours
Travelex T2
3F international departures
7:00–23:00
Japan Airport Terminal exchange T2
3F international departures
6:30–21:30
Shinhan Bank T2
1F domestic arrivals / 2F international gate
9:00–18:00 / 7:00–15:30
Travelex T1
1F arrivals lobby
10:00–19:00
Pocket Change
T1 1F (5:00–24:00), T2 1F (24h)
Leftover-coin kiosk
Seven Bank ATM
T1 and T2
24 hours
No counter at T1 or T2 runs overnight. If you land at T2 on a late international flight and need a walk-up counter, you'd have to ride the free shuttle to T3 (about 10–20 minutes) — for a small amount, the T2 Seven Bank ATM is the better answer.
The 24-hour counters — worth the worse rate?
The 24-hour counters are the same operators as the daytime ones; the spread does not get better at night, and airport rates are already the widest in Tokyo. For most arrivals the answer is: use the ATM, and keep the 24-hour counter as a backup.
If you're…
24-hour counter?
Why
Arriving past midnight with a declined card and no yen
Yes
A genuine backup when the ATM won't dispense — worth the spread to not be stranded
Only needing ¥5,000–¥10,000 for the train and a taxi
Yes
At small amounts the rate loss (a few hundred yen) is tiny next to the convenience
Carrying a working Wise or Revolut card
No
The 24-hour Seven Bank ATM gives near mid-market — use it instead
Changing ¥100,000+ overnight
No
The percentage loss balloons at this size; change a little now, the rest in town tomorrow
Catching a connecting flight, never leaving the airport
Maybe
Shinhan/Travelex airside; only exchange what you'll actually spend
Late-night flow: Seven Bank ATM first → Japan Airport Terminal counter (2F arrivals) if the card is declined → Smart Exchange machine at the station as a last resort.
Loss calculation when you exchange at Haneda
With the mid-market rate around ¥153 (September 2026), exchanging $500 (≈ ¥76,700 at mid) gives roughly:
Place
Yen received (approx.)
vs. mid-market
Seven Bank ATM with Wise / Revolut
~¥76,100
−¥600 (about −0.5% + ¥220 fee)
Downtown specialist (WCS Shinjuku, live rate 149.74)
¥74,870
−¥1,830 (−2.4%)
Haneda counter, better case (−5%)
~¥72,900
−¥3,800
Haneda counter, worse case (−7%)
~¥71,300
−¥5,400
→ Exchanging $500 at Haneda costs you ¥2,000–¥3,500 more than a downtown shop and ¥3,000–¥5,000 more than the ATM. That's the price of 2–3 lunches. Airport rates vary by counter and day; the exact figure is on each counter's board, but the order never changes: ATM < downtown < airport.
How much cash do you actually need on day one?
Almost none. Suica or Pasmo in Apple Wallet handles all transit, foreign cards work at every taxi, konbini and major hotel, and the 24-hour Seven Bank ATMs cover anything else.
Expense
Yen needed
Card OK?
Suica/Pasmo top-up at the airport
¥3,000
✅ (foreign card)
Train to central Tokyo
¥0
(Suica)
Taxi alternative
¥0–¥3,000
✅
Hotel check-in deposit
¥0
✅ (card pre-auth)
First konbini / coffee
¥1,500
✅
First dinner
¥2,500–¥4,000
usually ✅
Emergency cash buffer
¥3,000
n/a
Total day-one yen
¥5,000–¥10,000
→ The rule of thumb is to exchange ¥10,000 or less at Haneda. On a late-night flight bump it to ¥10,000 (taxi night surcharge of 20% plus food). Couples and families need about 1.5× this, not 2× (Suica top-ups don't multiply, hotel deposits are per room).
The 5-step airport-day flow
At the gate or on the plane — add Suica to Apple Wallet and top up ¥3,000 (Mastercard/AMEX work best; Visa often errors). See how to add Suica to your iPhone.
Immigration and customs — passport ready.
Optional emergency yen — Seven Bank ATM in the arrivals lobby, withdraw ¥10,000–30,000 with your physical Wise/Revolut card (about ¥220 fee + ~0.5%).
Travel to your hotel — Keikyu Line to Shinagawa ¥330 (about 20 min) or Monorail to Hamamatsucho ¥500 (about 13 min), both Suica; limousine bus ¥1,000–1,400 (card at the kiosk); taxi ¥7,000–12,000 to central Tokyo (most accept foreign cards).
Check in — pay by card; the hotel pre-authorizes the room plus deposit.
Total cash spent at Haneda: ¥3,000 Suica top-up + optional ¥10,000 ATM. Plan the bigger exchange for day 2 at Shinjuku West Exit or Ginza — see USD exchange in Shinjuku.
Arriving at 11 pm?
The flow is the same: Suica via Apple Wallet (the vending machines work at night too), foreign card for the taxi or limousine bus, card at check-in. Trains stop around midnight; limousine buses run a few late departures and taxis are the fallback (¥6,000–9,000 to central Tokyo plus the night surcharge). No exchange needed.
Using Wise / Revolut at Haneda
1. Immigration
2. Head to the arrivals lobby (2F)
3. Find the green Seven Bank ATM near the Keikyu / Monorail ticket area
4. Insert your physical card, choose English, withdraw in JPY (never "home currency")
5. Take the Keikyu Line or Monorail into central Tokyo
That makes your exchange cost essentially zero, and saves you queuing at a cash counter.
⚠️ You need a PHYSICAL card to withdraw cash. Seven Bank ATM's smartphone (QR) withdrawal is for domestic Japanese apps like PayPay only — foreign-issued cards (Wise/Revolut) are not supported, and tapping a virtual card in Apple Pay will not dispense cash. Bring the plastic card issued in your home country. If you only have a virtual card, load Suica in Apple Wallet and rely on trains and konbini until you reach a counter downtown.
Converting leftover yen on departure
Buy-back at an airport counter: 4–7% worse than mid-market, same as when you bought
¥10,000 or less — just keep it: a souvenir, or for your next trip
Coins and small notes: the Pocket Change kiosk (T1/T2/T3 arrivals) converts them to e-money or gift codes — see Pocket Change review
More than ¥30,000 left over: convert back in town (WCS in Shinjuku or Ginza)
Frequently asked questions
Which Haneda counter has the best rate?
Rates differ by a fraction of a percent between the Japan Airport Terminal counters, Travelex and Shinhan, and change daily — but all of them sit 4–7% below mid-market. The best "rate" at Haneda is the Seven Bank ATM with a low-fee card; among counters, pick the one that's open and closest, and keep the amount small.
Should I avoid Travelex at Haneda?
For USD/EUR, the ATM or a downtown shop beats it clearly. For Asian currencies like HKD, SGD, THB, Travelex stocks the widest list and may be your only counter option.
Is Travelex T3's "5:30–25:30" essentially 24/7?
Almost — there is a closure between 1:30 am and 5:30 am. It is airside (after security), so it serves departing passengers, not arrivals.
Will the 24-hour counter accept my card if the ATM declined it?
Not necessarily — the same fraud block may apply. Counters take cash, so bring some home currency as a backup, and text your bank.
What about going from T1/T2 to T3 to exchange?
The free shuttle takes 10–20 minutes. Rarely worth it — T1/T2 have Seven Bank ATMs and daytime Travelex counters.
Arriving at Haneda but staying near Tokyo Disney in Chiba?
Withdraw or exchange about ¥5,000 at Haneda → limousine bus or taxi → Seven Bank ATM at Maihama Station the next day.
Can I ride the train from Haneda with Suica in Apple Pay?
Yes. Issue Suica on your iPhone in advance and tap through the gate. Home IC cards (Octopus, T-money) don't work in Japan.
Duty-free shopping at Haneda — cash or card?
Duty-free shops in the international departures area accept cards 100%. On currency cost too, a Wise/Revolut card is the only choice.
What if I'm landing at Narita instead?
Same logic, longer ride: top up Suica ¥3,000–5,000 for the Narita Express (¥3,070) or Skyliner, keep the day-one budget at ¥5,000–10,000, and do the big exchange downtown.
Last verified 2026-09-08. Counter locations and hours are from the Yen Finder store database; airport counter hours and rates change, so check the board before you exchange.
