Wise Best exchange rate
Wise debit card
45k0.43% – 0.65% conversion fee
Travel money for Japan
Cards, cash and FX fees for Australian travellers.
Cards, cash and FX fees for Australian travellers. Improving fast in cities, but Japan is still more cash-based than Australia. Small restaurants, temples, markets and rural bus fares are often cash-only.
Revolut No weekday FX fee
Revolut Standard
30k0% FX fee
ING Orange Everyday ATM fees rebated
ING Orange Everyday
22k0% FX fee
ubank Spend
ubank Spend account
9k0% FX fee
Macquarie Transaction Account
Macquarie Transaction Account
6k0% FX fee
Prices are indicative, shown in AUD and refreshed from provider APIs where available. Always confirm the final price on the provider's site — it is the price that applies. We may earn a commission if you buy through our links, which never changes what you pay or how we rank results. How we make money.
Compared side by side
| Card | FX fee | ATM | Annual fee |
|---|---|---|---|
| Wise | 0.43% – 0.65% conversion fee | 2 free withdrawals/month up to $350, then 1.75% | $0 |
| Revolut | 0% on weekdays, up to 1% on weekends | $350/month fee-free, then 2% | $0 |
| ING Orange Everyday | 0% with monthly criteria met | International ATM fees rebated with criteria met | $0 |
| ubank Spend | 0% international transaction fee | No ubank fee; operator fees still apply | $0 |
| Macquarie Transaction Account | 0% foreign transaction fee | No Macquarie fee; operator fees still apply | $0 |
More Japan essentials
Entry requirements
Passport, visa, arrival cards and customs rules for Australian passport holders.
Connectivity
Instant data, no physical SIM required.
Travel insurance
Medical, cancellation and luggage cover from Australian insurers.
Airport transfer
Trains, buses, private transfers and taxis compared.
Driving
International Driving Permit rules and car hire for Australians.
Travel essentials
Adapters, plugs, tap water, tipping and health basics.
Things to do
Attractions, tours and passes worth booking ahead.
Trip checklist
Tick off every essential before you fly.
Japan money & payments FAQs
How much cash should I take to Japan?
More than you'd expect. Cards are widely accepted in cities, but temples, small restaurants, markets and rural transport are often cash-only. Carry ¥10,000 – ¥20,000 and withdraw from 7-Eleven or Japan Post ATMs, which reliably accept Australian cards.
Is tap water safe to drink in Japan?
Yes. Tap water is safe and high quality across Japan, so a refillable bottle will save you money.
Watching Japan?
We'll email you when entry rules or prices change for Australians travelling to Japan.