You can withdraw money in Japan with VISA/MasterCard credit cards and China Union Pay Card (China Union Pay IC Card may not be accepted by some ATM). VISA/MasterCard apply exchange rate via U.S. dollars and Union Pay Card applies Chinese Yuan-Japanse yen rate. So if Chinese Yuan has high-rate, withdrawing money with China Union Pay Card will work better for you. See below for which ATM can take China Union Pay Card and how much their commissions are.
China Union Pay Card compatible ATM
The number of Chinese visiting Japan is increasing lately, and to accompany that, the number of ATM accepting China Union Pay Card is on the rise. As of January 2016, the following ATMs are the ones you can withdraw Japanese yen with your China Union Pay Card.
Seven Bank (at Seven Eleven, Ito Yo-kado stores etc. )
AEON Bank (at AEON, AEON mall, MINISTOP, MaxValu etc.)
Lawson ATM (partially)
Mitsubishi Tokyo UFJ Bank
Mitsui Sumitomo Bank
Kyoto Bank (partially)
Japan Post Bank
e-Net ATM (partially)
When you use your China Union Pay Card at ATM, You will be paying two kinds of commission:
① Commission to Japan-side (ATM owning Bank)
If you use your China Union Pay Card at ATM in Japan, the ATM owning bank charge you certain fee. It’s about 100yen/transaction.
Japan-side “ATM usage fee” 0-110 yen
Seven Bank: 0 yen
Lawson ATM: 0 yen
AEON Bank: 75 yen
Mitsui Sumitomo Bank: 75 yen
Mizuho Bank: 105 yen
Mitsubishi Tokyo UFJ Bank: 110 yen
Japan Post Bank: 110 yen
e-Net ATM (partially): 0 yen
Kyoto Bank (partially): 0 yen
②Commission to China-side (your account bank)
When China Union Pay Card is used outside China, you will be charge of “overseas transaction fee”.
This amount will be deducted from your account separate from the commission charged by Japan-side.
This “overseas transaction fee” varies from one bank to another, some charging zero to some other charging over 2,000 yen/transaction.
“Overseas transaction fee” of China’s 4 major banks;
China Bank：15 Yuan/transaction ＋0.5% of withdrawn money total
China Commercial Bank: 12 Yuan/transaction ＋ 1% of withdrawn money total
China Construction Bank: 12 Yuan/transaction ＋ 1% of withdrawn money total
China Agricultural Bank: 12 Yuan/transaction ＋ 1% of withdrawn money total