Yokohama money guide 2026: 12 exchange shops, ATMs, and tourist-zone payments
⚡ 30-Second Answer: Yokohama = Kanto's 2nd-most cashless city. Minatomirai, Kannai, Chinatown area: 92% card acceptance; street stalls are cash. Exchange: Yokohama Sta. West Exit Travelex (mid -3%) or JR Tower B1 bank counter (mid -2.8%). 24h ATM: 7-Eleven at West/East exits. Travelers need ¥15,000-25,000 cash + Wise/Revolut.
Quick Reference Value Best JR Tower B1 bank (mid -2.8%) Station Yokohama Sta. Travelex (mid -3%) 24h ATM 7-Eleven West/East exits Cash needed ¥15,000-25,000 Card acceptance 92% Last verified June 2026
Yokohama is a day-trip favourite from Tokyo, and money-wise it's basically a Tokyo extension — Suica/PASMO works identically, card acceptance is at Tokyo levels (~90%+), and the major exchange chains are present in the main tourist clusters (Minato Mirai, Yokohama Station, Sakuragicho). The total 12 active exchange points are about 1/30th of central Tokyo's density, so long-stay travellers will want to load up in Tokyo first for efficiency.
TL;DR
- 12 exchange points clustered at Minato Mirai / Yokohama Station / Sakuragicho
- Major chains present: Travelex, World Currency Shop, Smart Exchange, Pocket Change
- Suica/PASMO works the same as Tokyo — IC cards are fully supported
- Cheapest combo: Wise/Revolut card → Seven Bank ATM at Yokohama Station
1. Exchange points by zone
a. Yokohama Station — the broadest selection
| Location | Type |
|---|---|
| Travelex Yokohama West | Counter |
| World Currency Shop Joinus (2F) | Counter |
| Smart Exchange (inside station) | Auto-machine |
| Pocket Change (inside station) | Auto-machine |
Yokohama Station is the crossroads of JR / Tokyu / Keikyu / Sotetsu / Minatomirai lines. Quick 5-min exchange while changing trains is realistic.
b. Minato Mirai — the tourist heartland
- Travelex Minato Mirai — 3-5-1 Minatomirai, Nishi-ku
- World Currency Shop Landmark Tower 1F
- Smart Exchange Kahala Hotel & Resort
Easy stops on the standard tourist loop (Red Brick Warehouse, Cosmo World, Cup Noodles Museum).
c. Sakuragicho
- Smart Exchange Sakuragicho (Naka-ku, Sakuragicho 1-chome)
Useful for JR Keihin-Tohoku Line / Yokohama Subway Blue Line travellers as a side door into the Minatomirai 21 district.
→ Full list + live rate comparison: Yokohama area page
2. Rate ladder
| Channel | Distance from mid-market | Cost on a $1,000 exchange |
|---|---|---|
| Wise/Revolut card → station ATM | +0.5% | ¥750 |
| Travelex Minato Mirai / West | +1.0% to +1.5% | ¥1,500–2,250 |
| Smart Exchange (each location) | +1.0% to +1.5% | ¥1,500–2,250 |
| World Currency Shop Joinus | +1.5% to +2.0% | ¥2,250–3,000 |
Differences are small per transaction but compound: 5 exchange runs at the wrong spot = ~¥5,000 lost.
3. ATMs that work for foreign cards
Inside / around Yokohama Station:
- Seven Bank ATM — multiple at JR East/West exits, 24-hour
- AEON Bank ATM — Sogo Yokohama, 9:00–21:00
- JP Bank (Yucho) ATM — Yokohama Central Post Office
Seven Bank has the highest foreign-card acceptance. Wise/Revolut card withdrawal: ¥220 fee per transaction.
4. Tourist-zone payment table
| Spot | Card accepted | Cash recommended |
|---|---|---|
| Red Brick Warehouse | ✅ near-universal | Low |
| Chinatown | △ ~50% | Medium (small shops are cash-only) |
| Cosmo World | ✅ entry + rides accept cards | Low |
| Motomachi Shopping Street | ✅ most shops | Low |
| Sankei-en Garden | ❌ entry fee cash only | Medium |
| Yamashita Park | n/a | n/a |
Chinatown is the cash gotcha — many family-owned restaurants and souvenir stands still take cash only. Keep ~¥5,000 in small notes ready.
5. Yokohama vs Tokyo, side by side
[Tokyo] [Yokohama]
Exchange points: 700+ → 12
Competition: heavy → moderate
24-hour ATM density: high → concentrated at the station
Card acceptance: 95%+ → 90%+
→ Load up in Tokyo and come over is the dominant strategy. Standalone exchange in Yokohama isn't bad, but isn't optimised either.
Bottom line
- Day-trip tourist → exchange in Tokyo OR pull yen from Yokohama-Station Seven Bank with Wise/Revolut
- Staying overnight in Yokohama → Travelex / WCS at Minato Mirai or Yokohama-West is plenty
- Chinatown + Sankei-en bound → keep ¥5,000 cash in pocket
Related
- #41 Osaka money guide
- #26 Ginza money guide
- #04 Cash vs card in Japan
- #15 Wise vs Revolut vs your bank card
Last verified 2026-05-18. Store count sourced from the yenfinder.com database (12 points).