Money & Currency
Other FAQ's
Money in Japan works a little differently than in many other countries, so it’s helpful for travellers to be prepared.
While Japan is known for its advanced technology, cash (yen) is still widely used in everyday life. Small shops, local restaurants, temples, markets, and even some train stations and buses often only accept cash, so it’s a good idea to carry a reasonable amount with you each day.
The Japanese currency is the yen (¥), with coins in denominations of ¥1 to ¥500, and notes from ¥1,000 to ¥10,000.
You can easily withdraw yen from ATMs across Japan, including at 7-Eleven, Japan Post offices, and some convenience stores. These machines usually have English-language menus and accept New Zealand EFTPOS and major credit cards like Visa and Mastercard. However, not all ATMs accept foreign cards, so sticking to international-friendly ATMs is essential.
While credit cards are becoming more common in big cities, especially in department stores, hotels, and chain restaurants, they’re still not accepted everywhere.
For travellers, a mix of cash and card is best. Having some cash ready will make your trip smoother, especially when exploring smaller towns or using public transport.
How to Pay for Things in Japan – A Guide for Kiwi Travellers
Japan is safe and easy to travel, but its payment habits are different from New Zealand. Here’s what you need to know to keep your trip smooth and stress-free.
Using a Wise Card in Japan
A Wise (formerly TransferWise) card is a great option for New Zealanders travelling in Japan. It allows you to:
Spend in Japanese yen with low conversion fees
Withdraw cash from ATMs without high international charges
Manage spending through the Wise app
Load your NZD into Wise, convert to JPY, and pay like a local. It’s accepted at most places that take debit or credit cards.
Why Cash is Still Important in Japan
Cash is used widely in Japan for:
Local eateries
Train stations and bus fares
Temples and shrines
Markets, street food stalls, and smaller shops
Always carry some yen with you, especially when visiting rural areas.
Withdrawing Cash from ATMs
You can use your New Zealand debit or credit card at:
7-Eleven ATMs (available 24/7)
Japan Post ATMs
FamilyMart and Lawson convenience stores
These machines usually have English instructions. Be aware that some local bank ATMs do not accept foreign cards.
Paying by Credit Card
Credit cards (Visa, Mastercard, AMEX) are accepted in:
Hotels
Major department stores
Chain restaurants and big retailers
However, many small businesses still do not accept cards, so don’t rely on credit cards alone. Always carry backup cash.
Exchange Rate: NZD to JPY
The exchange rate between the New Zealand Dollar and Japanese Yen fluctuates. As of early 2025, NZD $1 typically equals around 85–90 yen, but this can change.
👉 Check the current exchange rate here: XE Currency Converter – NZD to JPY
Tipping in Japan
Tipping is not practiced in Japan and may even be considered rude. Whether it’s in a restaurant, hotel, or taxi, do not tip. Instead, good service is expected and included in the price.
Top Money Tips for NZ Travellers in Japan
Carry a mix of cash and card every day
Use 7-Eleven ATMs for reliable cash withdrawals
Consider a Wise card or similar travel card
Don’t assume all places accept credit cards
Use small bills (¥1,000 and ¥5,000 are easier than ¥10,000)
Keep your cash secure in a money belt or hotel safe
Don’t tip – just smile and say “arigatou gozaimasu!”
