Managing your money is crucial to fully enjoying your time shopping, eating, and hanging out with friends in Japan. Let’s learn the features of cash, cards, and e-money to use them wisely.
Cash
Japan is still a society where cash is commonly used. There are situations where only cash is accepted, like at small shops, festivals, or for offerings at shrines.
- Tip: It’s a good idea to always have around 10,000 yen in cash in your wallet. Get used to the types of Japanese bills (¥1000, ¥2000, ¥5000, ¥10000) and coins (¥1, ¥5, ¥10, ¥50, ¥100, ¥500) quickly.
Credit / International Debit Cards
Cards are convenient for larger stores, restaurants, and online shopping.
- Tip: Before you leave, check if your card can be used overseas (e.g., VISA, Mastercard) and what the fees are. An international debit card that allows you to withdraw cash from ATMs is also extremely useful.
E-money / Cashless Payment
When riding the train, shopping at a convenience store, or buying a drink from a vending machine, e-money that you can just “pi” (tap) is extremely common in Japan.
- Suica / PASMO: These are IC cards for transportation, but they can also be used as e-money at most shops. Getting one of these first is highly recommended!
- Mobile Payments (e.g., PayPay): Payments using smartphone apps are also popular.
- Tip: Using these will save you the trouble of fumbling for coins and make payments very smooth.
Opening a Bank Account (for long-term students)
If you are staying for a long period, such as a full year, opening a Japanese bank account is convenient. It may be necessary for receiving wages from a part-time job or for paying rent.
- Tip: To open an account, you will often need your Residence Card, Student ID, and a personal seal (hanko). Talk to your school or host family about the process.
Once your finances are in order, it’s time to prepare your mind and body. Let’s look at the secrets to a healthy and safe life abroad.
[→ Go to the next page: “Health & Safety“]