BEFORE YOU FLY

Prepare more than one way to pay

Research-based planning guide · Reviewed October 14, 2026

Plan a backup before you travel. Do not let one card, one phone or one payment app become the only way you can pay for your first journey.

Before departure

• Ask your bank about overseas use, withdrawal fees and any account restrictions.
• Know how to contact your card issuer while abroad.
• Keep a backup payment method separate from your main wallet when practical.
• Check how you will pay for your first transport and accommodation.

What about cash?

JNTO advises travellers to consider cash alongside cards. Rather than following a universal daily amount, estimate the payments you expect to make and decide how you will access more if needed.

Transport cards are a separate check

Before relying on a physical or mobile transport IC card, verify the current purchase, device and top-up requirements with its issuer. Do not assume every bank card or phone can complete the setup.

Official source

Japan National Tourism Organization: planning your trip — reviewed October 14, 2026. This is a preparation guide, not a guarantee of acceptance at any particular shop, ATM or station.