Yokohama money guide 2026 — Minato Mirai, Chinatown, Yokohama Station exchange, ATMs, cards, hotels
The single-page pillar for handling money in Yokohama. Yokohama is 25-30 min from Tokyo on the Tokaido / Yokosuka lines (¥480), 25 min from Haneda Airport on the Keikyu line (¥320) — the most accessible "other big city" from Tokyo. Minato Mirai and Motomachi take cards at 90%+ like Tokyo, Yokohama Chinatown is half-card half-cash, and Yokohama Station West Exit hosts WCS / Daikoku-ya / Travelex — a real exchange hub.
This page covers the Haneda / Tokyo Station departure → Yokohama Station → Minato Mirai → Chinatown → Motomachi / Yamate money flow across 6 axes.
TL;DR — your no-stress Yokohama money playbook
- Cash to carry: ¥5,000-10,000/day per person (Chinatown small shops, food stalls, sightseeing bus, shrines)
- Best exchange: WCS Yokohama Joinus (directly connected to Yokohama Station West Exit), or Daikoku-ya Yokohama West Exit, mid −1.0 to −1.5%
- Best ATM: Seven Bank inside Yokohama Station + Minato Mirai / Chinatown / Motomachi konbini, mid-market with Wise/Revolut
- Hotels: Yokohama Station area ¥10,000-18,000, Minato Mirai luxury ¥25,000-50,000, Shin-Yokohama ¥8,000-15,000. Compare Rakuten Travel / Agoda / Jalan / JTB
- Haneda → Yokohama: Keikyu Main Line ¥320 (25 min) / Tokyo Station → Yokohama: Tokaido Line ¥480 (25 min)
- Mobile: Full LTE / 5G everywhere, Tokyo-grade. Airalo / Sakura Mobile
1. Five sub-areas in Yokohama
Yokohama Station (Japan's 5th-busiest)
8 lines intersect here: JR Tokaido, Yokosuka, Shonan-Shinjuku; Keikyu; Tokyu Toyoko; Sotetsu; Yokohama Municipal Subway; Minatomirai Line. Around the station you have Takashimaya, Joinus, Sogo, Lumine, and Porta department stores. Card acceptance 95%, 4-5 exchange shops. Hotels include Yokohama Bay Sheraton and Tokyu REI at the mid-tier.
Minato Mirai (21st-century bay zone)
Landmark Tower, Queen's Square, Red Brick Warehouse, Cosmo World, Yokohama Museum of Art. Card acceptance 95-100%, cashless like Tokyo. Hotels here are Yokohama Bay Hotel Tokyu, Pan Pacific, InterContinental Yokohama Grand — high-end. Sakuragicho + Minatomirai + Bashamichi stations access this area.
Yokohama Chinatown (Japan's largest, 600+ shops)
Walkable from Ishikawacho or Motomachi-Chukagai stations. 600+ shops crammed into 0.2 km² between 10 ornate gates. Main-street big names (China Daihanten, Manchinro) take cards 80-90%, but side-alley dim-sum shops, fortune tellers, and Chinese groceries lean cash 50-70%. A few shops offer direct CNY → JPY exchange for Chinese visitors.
Motomachi / Yamate (Western architecture + high fashion)
Motomachi Shopping Street is upscale fashion, jewelry, bakeries — European visitor heavy. Yamate has Western houses, the Foreign Cemetery, and Harbor View Park. Card acceptance 95%. Accessed via Ishikawacho, Motomachi-Chukagai, or Yamate stations.
Shin-Yokohama (Shinkansen + Ramen Museum)
Nozomi and Hikari Shinkansen stop here — 18 minutes from Tokyo Station. Shin-Yokohama Ramen Museum (¥450 entry + ¥800-1,200 per ramen) is the local destination. Popular as a hotel base for Yokohama Arena concert-goers. 11-15 min to Yokohama Station by JR / municipal subway.
2. Exchange — Yokohama Station West Exit + Minato Mirai are the two hubs
Flagship shops (USD, May 2026)
| Shop | Rate vs mid-market | Hours | Location |
|---|---|---|---|
| WCS Yokohama Joinus | −1.0 to −1.5% | 10:00-21:00 | Yokohama Station West Exit Joinus 2F, same rate as Tokyo WCS |
| Daikoku-ya Yokohama West Exit | −1.0 to −1.5% | 10:00-20:00 | 3-min walk from West Exit, mainland chain |
| WCS Landmark Tower | −1.5 to −2.0% | 10:00-20:00 | Inside Minato Mirai Landmark Tower |
| Travelex Yokohama Station | −2.0 to −2.5% | 09:00-20:00 | Inside Yokohama Station |
| Yokohama Chinatown Kobe Kakyo Shoten (small) | −2.0 to −2.5% | 10:00-19:00 | CNY-specialized, for Chinese visitors |
| Seven Bank ATM (Yokohama Station / Minato Mirai) | mid-market with Wise/Revolut | 24/7 | Station interior + 20+ konbini ATMs |
→ Deep dive: #48 Yokohama money guide / #2 Hidden cost of airport exchange
Chinese visitors with CNY
Several Chinatown shops accept direct CNY → JPY exchange including Kobe Kakyo Shoten. Rate around mid −2 to −3%, often better than bank windows. WeChat Pay / Alipay acceptance is also widespread, so using QR payment directly without exchanging is often the easiest move.
Haneda arrivals
Exchange at Haneda → Keikyu to Yokohama Station in 25 min is the fastest path. But Haneda exchange runs mid −3 to −5% (poor), so the smart split is ¥10,000 at Haneda, top up at Yokohama Station West Exit WCS for mainland-level rates.
Emergency Wise / Revolut
7-Eleven, FamilyMart, and Lawson ATMs are dense around Yokohama Station, Minato Mirai, Chinatown, and Motomachi. 24/7 mid-market — pull ¥20,000-30,000 in one shot for fee efficiency.
3. ATMs — dense around station, Minato Mirai, and Chinatown
| Location | Count | Hours |
|---|---|---|
| Inside Yokohama Station (Seven Bank) | 3 | 24/7 |
| Konbini around Yokohama Station | 10+ | 24/7 |
| Minato Mirai (Landmark + Queen's + Red Brick) | 8+ | 24/7 (konbini) |
| Inside Yokohama Chinatown konbini | 5+ | 24/7 |
| Motomachi / Yamate konbini | 4+ | 24/7 |
| Shin-Yokohama Station + around | 4+ | 24/7 |
| Haneda Airport Seven Bank | 10+ | 24/7 |
→ #76 Seven Bank ATM complete guide
The local-bank ATM trap
Bank of Yokohama / Kiraboshi Bank have plenty of ATMs around the station, but foreign-issued cards get rejected at a high rate. Stick to Seven Bank, E-net (FamilyMart / Lawson), and Lawson Bank.