Where to exchange money at Haneda Airport — including 24-hour counters

⚡ 30-Second Answer: Cash exchange at Haneda is pricey everywhere — mid -5 to -7%. For 24-hour cash, SMBC (Sumitomo Mitsui Banking, mid -5.5%) is the most realistic, and Travelex (mid -6 to -7%) has the worst rate, so avoid it. The cheapest option overall is the Seven Bank ATM (24h, withdraw with a foreign-issued physical card, ¥110–220 fee). Exchange only ¥10,000 or less at the airport — do the rest downtown.

Quick Reference	Value
24h cash exchange	SMBC (mid -5.5%)
Avoid	Travelex (mid -6 to -7%)
Cheapest overall	Seven Bank ATM (physical card required)
Exchange at airport	¥10,000 or less
The rest	Exchange downtown
Last verified	June 2026

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 5–7% below the mid-market rate, meaning you lose ¥3,000–¥4,500 on a $500 exchange. Still, you want a bit of cash for the train. Here's a smart airport money strategy, including which counters run 24 hours.

Terminal 3 (international) exchange & ATM picks

24-hour options:

• Seven Bank ATM (3F arrivals lobby) — Wise / Revolut debit OK
• Lawson ATM (B1 / 3F) — same
• AEON Bank ATM (4F departures lobby) — same

Cash exchange counters:

• SMBC (Sumitomo Mitsui Banking) foreign exchange corner (arrivals lobby, 24h) — mid -5.5% (the least-bad late-night option)
• Travelex (departures 2F / 3F, 24h) — mid -6 to -7% (many currencies, but the worst rate)

Bottom line: T3 has convenience-store ATMs even on a late-night flight, so if you carry a Wise / Revolut physical card you don't need to queue at a cash counter.

The conclusion, up front

• Haneda's exchange rate is 5–7% below mid-market — 3–4× the loss vs. in town (Shinjuku WCS)
• Keep it to a small amount, around ¥10,000–¥20,000
• Several 24-hour counters are in Haneda Terminal 3 (international)
• Withdrawing with Wise/Revolut is the best option before you head into town
• Target cash on arrival at Haneda: ¥10,000 or less per person; do the rest downtown

Which Haneda arrival should do what?

Your best move at Haneda depends on what you're carrying and when you land. Match yourself to a row.

Haneda exchange counter list

Haneda has three terminals: T1 (JAL domestic), T2 (ANA domestic), T3 (international). Inbound visitors arrive at T3.

Terminal 3 (international)

The arrivals lobby, departures lobby, and hotel-connecting corridor have a combined 8–10 exchange counters.

Note: The Seven Bank ATM is the cheapest option overall, but it requires a foreign-issued physical card — see the warning below.

Terminals 1 & 2

These are mainly domestic terminals, but they do have a few exchange counters:

• T1 SMBC (24 hours)
• T2 JTB exchange (business hours)

There's little reason to walk all the way over from an international arrival (you just lose time).

24-hour counters

If you arrive on a late-night flight, your choices are limited:

1. SMBC exchange corner (arrivals lobby) — the most realistic
2. Travelex Haneda T3 (departures, 3F) — worst rate
3. Smart Exchange machines — least favorable rate, but no queue
4. Seven Bank ATM — if you have Wise/Revolut on hand, the best

Late-night flow: prioritize the ATM; if there isn't one, SMBC; last resort, Smart Exchange.

Loss calculation when you exchange at Haneda

When the mid-market rate is ¥158, exchanging $500 at Haneda gives:

→ Exchanging at Haneda loses you ¥3,000–¥4,500 vs. Shinjuku WCS. That's the price of 2–3 lunches.

"So how much should I actually exchange at Haneda?"

The minimum to exchange at Haneda:

→ The rule of thumb is to exchange ¥10,000 or less at Haneda. Even exchanging ¥500 only costs you about ¥35 in rate difference, so don't sweat it.

Getting into central Tokyo and how much cash you need

Keikyu Line (Haneda → Shinagawa)

• Standard fare ¥330 (Suica/Pasmo accepted)
• About 20 minutes
• You can buy tickets at the machine, but Suica is smoother

Monorail (Haneda → Hamamatsucho)

• Standard fare ¥500
• About 13 minutes
• Also Suica/Pasmo accepted

Limousine Bus (Haneda → Tokyo Station / Shinjuku / Yokohama)

• Fare ¥1,000–¥1,400
• 30–50 minutes
• Some accept cards, cash also OK

Taxi (Haneda → central Tokyo)

• Fare ¥7,000–¥10,000
• Some drivers don't accept cards (most do)
• Not recommended for tourists, but an option on a late-night flight when trains have stopped

→ You can ride all of these with Suica, so the most sensible move is to issue a Suica at the airport (Welcome Suica or a regular Suica).

Using Wise / Revolut at Haneda

Your very first moves on arrival:

1. Immigration
2. Head to the arrivals lobby (2F)
3. Find the green Seven Bank ATM near the Keikyu Line / Monorail ticket area
4. Insert your Wise / Revolut physical card and withdraw ¥30,000 (within the free allowance)
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 physical card issued in your home country. If you only have a virtual card, load Suica in Apple Wallet (VISA often errors — use Mastercard/AMEX) and rely on trains/konbini.

Converting leftover yen on departure

If you want to convert leftover yen back to foreign currency when you leave:

• Buy-back at an airport counter: 5–7% worse than mid-market (same as when you bought)
• ¥10,000 or less — just keep it: a travel souvenir, or for your next trip
• More than ¥30,000 left over: convert back in town (e.g., WCS in Shinjuku or Ginza)

Frequently asked questions

Should I really avoid Travelex at Haneda?

For USD/EUR, yes. But for Asian currencies like HKD, SGD, THB, other counters may not stock them and Travelex can be your only choice.

What about going from the domestic terminals (T1/T2) to the international one (T3) to exchange?

The inter-terminal bus takes 20 minutes. It's rarely worth moving just to exchange — T1/T2 also have exchange corners.

I'm arriving at Haneda but my hotel is near Disney in Chiba. What about exchange?

Exchange about ¥3,000 at Haneda → take a limousine bus or taxi → use a Seven Bank ATM at Maihama Station the next day.

Can I ride the train from Haneda with Suica in Apple Pay?

Yes. If you issue Suica on your iPhone in advance, you can tap through the gate. See how to add Suica to your iPhone.

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.

Related articles

• #34 Cash for day one, Haneda to your hotel
• #35 Pocket Change coin kiosks at the airport
• #16 Exchanging USD in Shinjuku
• #13 How much cash you need in Japan
• #4 When to use cash vs. card in Japan

Last updated 2026-05-20. Airport counter hours and rates change. Check each shop's latest information before you actually use it.