how to use an atm in Japan: A First-Time Guide for Foreigners

Navigating an ATM in Japan can be a bit daunting for foreigners, especially if you’re not familiar with the Japanese language or the local banking system. This guide will help you understand how to use an atm in Japan including kanji examples, step-by-step instructions, typical fees, and the various services you can access.

Understanding Japanese ATMs

Japanese ATMs are generally user-friendly and offer English language options. However, understanding some basic kanji can be helpful. Here’s a quick guide to some of the common kanji you’ll encounter:

• 現金 (Genkin): Cash
• 預金 (Yokin): Deposit
• 引き出し (Hikidashi): Withdrawal
• 振込 (Furikomi): Transfer
• 通帳 (Tsuucho): Passbook
• 暗証番号 (Anshou Bangou): PIN (Personal Identification Number)

Step-by-Step Guide to Using an ATM

Step 1: Locate an ATM

Japanese ATMs are widely available in convenience stores (like 7-Eleven, Lawson, FamilyMart), banks, post offices, and shopping centers.

Step 2: Insert Your Card

Insert your bank card into the ATM. Look for the card slot labeled カード (Kaado).

Step 3: Select Your Language

Most ATMs will prompt you to select a language. Choose English (英語, Eigo) if available.

Step 4: Enter Your PIN

Enter your PIN (暗証番号, Anshou Bangou) when prompted.

Step 5: Choose Your Transaction

Here are the common transaction types and their kanji:

• Withdrawal (引き出し, Hikidashi)
• Deposit (預金, Yokin)
• Transfer (振込, Furikomi)
• Balance Inquiry (残高照会, Zandaka Shoukai)

Step 6: Follow the Instructions

Follow the on-screen instructions to complete your transaction. For withdrawals and deposits, you’ll be asked to enter the amount.

Step 7: Collect Your Cash and Receipt

After completing your transaction, the ATM will dispense your cash and provide a receipt. Don’t forget to take your card!

Typical Fees and Charges

Using ATMs in Japan can incur fees, which vary depending on the bank, time of day, and whether the ATM is part of your bank’s network. Here’s a general breakdown:

• Domestic ATMs:
  • Within Network: ¥0 to ¥110 during business hours, ¥110 to ¥220 outside business hours
  • Outside Network: ¥110 to ¥220 during business hours, ¥220 to ¥330 outside business hours
• International Cards:
  • ¥110 to ¥220 per transaction, plus any fees charged by your home bank

Note: ATMs in convenience stores often have lower fees and longer operating hours.

Services Available at Japanese ATMs

1. Cash Withdrawal (引き出し, Hikidashi):

• Withdraw yen from your bank account. Most ATMs allow withdrawals in multiples of ¥1,000.

2. Deposits (預金, Yokin):

• Deposit cash into your account. Only available at your bank’s ATMs.

3. Bank Transfers (振込, Furikomi):

• Transfer money between accounts, both domestic and international.

4. Balance Inquiries (残高照会, Zandaka Shoukai):

• Check your account balance.

5. Bill Payments (料金支払い, Ryoukin Shiharai):

• Pay utility bills, taxes, and other invoices. Use the barcode on the bill to complete the transaction.

6. Passbook Updates (通帳記入, Tsuucho Kinyuu):

• Update your bank passbook with recent transactions. Only available at your bank’s ATMs.

7. Mobile Recharge (携帯電話料金支払い, Keitai Denwa Ryoukin Shiharai):

• Recharge your prepaid mobile phone or pay your mobile phone bill.

Kanji Quick Reference

Conclusion

Using an ATM in Japan for the first time can be a smooth experience with a little preparation. By understanding basic kanji, knowing the typical fees, and following this step-by-step guide, you’ll be able to navigate Japanese ATMs with confidence. Whether you need to withdraw cash, transfer funds, or pay bills, Japanese ATMs offer a range of convenient services to meet your banking needs.