Tips from Japan Trip Experts!! Bank card to get Chinese Yuan in Japan and its commission

Tips from Japan Trip Experts!! Bank card to get Chinese Yuan in Japan and its commission

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

Mizuho Bank

Mitsui Sumitomo Bank

Kyoto Bank (partially)

Japan Post Bank

e-Net ATM (partially) 

Commission

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China Bank:15 Yuan/transaction +0.5% of withdrawn money total 

China Commercial Bank:  12 Yuan/transaction + 1% of withdrawn money total 

China Construction Bank: 12 Yuan/transaction + 1% of withdrawn money total 

China Agricultural Bank: 12 Yuan/transaction + 1% of withdrawn money total 

David li

Male Chinese who works for major advertising agency in Tokyo. 15 years of living in Japan has made him an expert on various Japan related topics. He came to Japan after graduating from high school and now permanently settled in Japan. His hobby is to enjoy local cuisines while travelling around various parts of Japan. He has a personal goal of visiting all prefectures in the country and in the process of achieving it, enjoying trips and dining experiences in the nation on his off-days with his family.

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