Japan is one of the world's most rewarding travel destinations — and also one that can catch unprepared travelers off guard when it comes to money. Despite being a technologically advanced nation, Japan's everyday economy still runs heavily on cash. Here's how to prepare.

Why Cash Is Still King in Japan

While major hotels and department stores accept credit cards, a large number of local restaurants, izakayas, temples, shrine entrance fees, and smaller retail shops are cash only. Arriving without sufficient yen can put you in an awkward position — especially in rural areas or at traditional establishments.

How Much Yen Should You Bring?

A comfortable daily budget for mid-range travel in Japan is roughly JPY 8,000–15,000 per person (approximately IDR 850,000–1,600,000 at current rates). For a 10-day trip with a moderate budget, exchanging JPY 120,000–150,000 before departure is a reasonable starting point.

Remember: Japan is extremely safe, so carrying cash is not the security risk it might be in other destinations.

Exchange in Indonesia Before You Go

JPY is one of the most actively traded currencies at licensed Indonesian money changers. Rates in Indonesia — particularly at reputable providers like Fortitu — are often more competitive than what you'll find at Narita or Haneda airports. Exchanging before your flight means you land with local currency in hand, ready to pay for your airport train ticket on arrival.

IC Cards: Your Cashless Companion for Transit

For Japan's train and subway system, load an IC card (Suica or Pasmo) with cash at any station. These cards also work at convenience stores (7-Eleven, FamilyMart, Lawson) — which are everywhere and where you'll spend more than you expect. Top them up with yen as needed.

ATMs in Japan

If you run low on yen, 7-Eleven ATMs and Japan Post Bank ATMs accept most international cards with minimal foreign transaction fees. However, access to your Indonesian account abroad may require contacting your bank before departure to enable international withdrawals.

Planning your yen budget carefully before departure — and exchanging at a trusted rate — is one of the simplest ways to start your Japan trip on the right foot.