True story: I hardly ever use cash. Living here in the US, I use cards for virtually every transaction I make. I rarely run into cash. When I do, getting said cash into my bank account is a pain in the butt.
We were going on this big trip to this super modern, super tech-y country: Japan. Before we left, I did exchange some dollars for yen. I wanted to dodge the poor conversion rates you usually find at the airports and have enough for the entire trip. The assumption was I’d be able to use my card pretty much everywhere, but I also knew it wasn’t the best idea to be in a foreign country with zero dollars in my pocket.
I was in for a surprise, though. Less than a week into our trip, I was out of cash. We had to spend it at restaurants, at a hair place for my sibling, and overall just on little things at businesses that only took cash.
For example, in Kyoto we ate at several restaurants that were cash only. Sometimes they were the only thing open, too, when we grabbed dinner later in the evening!
Fun Fact: We found food to be the same price in Japan as it is in our home city of Pittsburgh. And, yes, the portion sizes were just as generous! The food was usually a lot healthier, too.
I also bought an umbrella at a store front across the canal from us; they also only took cash. Because I didn’t know exactly where would and wouldn’t take my plastic, I burned through the paper money relatively quickly. It was spending I was planning on anyways–I just didn’t expect to use cash as my medium of payment quite so often.
Finding an ATM in Japan That Will Actually Work
When I first had to hit up an ATM, I went to one run by Japan Bank. Supposedly these are compatible with US-issued cards.
That was not the case for me. And I had my friends interpreting for me through the process, so I know it wasn’t a language gap.
Eventually, we discovered that while my card didn’t work at the Japan Bank ATM in the grocery store, it did work at the same ATMs at the post office and 7-11. These were both quite prolific in the parts of Japan we went to.
If you’re at a bigger train station, that’s usually a good place to find both a post office and 7-11, though they were spread throughout the cities, too. You might just have to google where they are if you’re in a more rural area, as there wasn’t the same build-up of businesses around the rural train stations we visited.
You don’t have to tip in Japan.
My friend’s family cooked us delicious meals and took us out a few times, too. But mostly we ate at restaurants while we were away. It felt really weird not tipping the first time we ate out, but you’re not supposed to in Japan. Apparently they actually pay their waitstaff a living wage.
Converting to Dollars is Easy
The following was true for me on my trip, but you’ll always want to check current conversion rates before you embark on your own journey.
When I went, though, the rule of thumb was to move the decimal point two places to the left to get an approximate conversion rate. So something that is 10,000 yen is about $100USD. Something that’s 2,000 yen is about $20.
The dollar was doing pretty well when we hopped on the plane to cross the Pacific, so we knew that every purchase would be slightly less expensive than what we had calculated using our ridiculously simple conversion formula above.
Remember the Cash
Ultimately, the biggest money lesson I learned while in Japan was the first one we covered: bring cash, and don’t walk by a post office or 7-11 with empty pockets without stepping in to use the ATM. Even in a place which had bathrooms so tech-y they blew my mind, paper money was still widely used and sometimes even required–even in urban settings.