Narita International Airport (NRT) ATMs and Currency Exchange

Japan · NRT airport money guide

Narita International Airport (NRT) ATMs and Currency Exchange: Japan Airport Money Guide

This guide lists every ATM and currency exchange point we could confirm at Narita International Airport, sorted by terminal and by which side of security it sits on. Use the finder above to filter by terminal. Below, you will find how to get Japanese yen (JPY) at the lowest cost, whether you are landing in Tokyo or only passing through NRT on a connection, and which screens and counters to say no to.

Not every Japanese ATM takes foreign cards, but two networks reliably do: Seven Bank (found in 7-Eleven stores) and Japan Post Bank. Currency exchange counters are spread across the departure and arrival lobbies of all three terminals, generally open from early morning to late evening (roughly 6:30–7:00am to 10:00–11:00pm). Where to find ATMs that take foreign cards and currency exchange across Narita’s three terminals, which option gives the best rate, and how much yen you need for Tokyo.

Terminal financial overview

Narita is one of Tokyo’s two main gateways, with three terminals (Terminal 3 is the low-cost terminal). Japan is still a fairly cash-friendly country, so getting yen on arrival matters, and the key is using an ATM that accepts foreign cards. This guide shows where those machines and the exchange counters sit, how to avoid markups, and how much cash you need for Tokyo.

Narita has three terminals: Terminal 1 and Terminal 2 for full-service airlines, and Terminal 3 for low-cost carriers (reached on foot or by shuttle from Terminal 2). Each has ATMs that take foreign cards and currency-exchange counters.

Wherever you land, look for the Seven Bank or Japan Post logo for a machine that accepts foreign cards. Terminal 2’s 24-hour Seven Bank ATM inside the 7-Eleven is the most reliable out-of-hours option, and Terminals 1 and 2 both have multiple exchange counters if you need one.

Across 3 terminals, this page lists 7 ATM locations (2 airside, 5 landside) and 3 exchange counter, kiosk or machines (0 airside, 3 landside). ATM brands include Seven Bank, Japan Post Bank, ATMs. Terminal 1 has the widest choice.

• Terminal 1: Star Alliance, SkyTeam and others. 3 ATM locations, 1 exchange point.
• Terminal 2: JAL, oneworld and others. 3 ATM locations, 1 exchange point.
• Terminal 3 (LCC): Low-cost airlines. 1 ATM location, 1 exchange point.

Inside vs. outside security strategy

For the best value, withdraw yen from a Seven Bank or Japan Post ATM and choose to be charged in yen rather than your home currency. If you are connecting airside, use the airside Seven Bank machines. If you are arriving, use an arrivals-lobby ATM after immigration before the trains. Keep the exchange counters for the case where you cannot find a compatible ATM.

As a rule at NRT: withdraw JPY from a bank ATM landside when you arrive, buy only small amounts at a counter, and sell leftover yen back before security when you leave. Airside counters exist for convenience, not value, and once you are through passport control you cannot walk back out to compare.

Avoiding Dynamic Currency Conversion (DCC) markups

Dynamic Currency Conversion is the offer to charge a foreign card in its home currency instead of JPY. It looks helpful because you see a familiar number, but the ATM or shop sets the exchange rate, and it is usually several percent worse than the rate Visa or Mastercard would apply. Airports are where most travellers meet it first.

Whenever an airport ATM or a card terminal offers to charge you in your home currency instead of yen, decline it and choose yen. That “convenience” option, called Dynamic Currency Conversion, lets the machine set its own exchange rate, which is typically 3–7% worse than the rate your own bank or card network would use. Paying in the local currency always routes the conversion through your card network (Visa, Mastercard), which is almost always cheaper.

1. At an ATM, when the screen asks to convert or offers a "guaranteed rate", choose decline or without conversion.
2. At a card terminal, if asked "JPY or your currency?", pick JPY. If staff choose for you, ask them to redo it.
3. Read the operator fee on the ATM screen before you confirm. If it is high, cancel and try another bank's machine.
4. Check your receipt: a printed exchange rate or the word "DCC" means a conversion was applied.

Local cash vs. card tips for Tokyo

Japan is more cash-friendly than most developed countries, though cards and IC cards (Suica, PASMO) are widely accepted in cities and on transport. Carry a reasonable amount of yen — roughly ¥10,000–¥20,000 to start — for smaller restaurants, temples, markets and rural areas that are cash-only. One thing that is simple here: there is no tipping in Japan. Leaving extra money can even cause confusion, so pay the stated price and keep your change.

Before you fly, check two things with your bank: the foreign transaction fee on card payments and the fee for overseas ATM withdrawals. A card that waives both makes paying in JPY the cheapest way to spend in Japan. Tell your bank you are travelling if it still asks, carry a backup card from a different network, and keep the airport counter for small top-ups only.

Prices and operators at airports change. We checked this page against the official Narita and operator listings on 20 October 2026; confirm hours on the airport's own map on the day you travel.