Tool
Shihui - UnionPay Japan ATM Withdrawal Calculator
When you withdraw cash in Japan with a Chinese bank card, the real CNY amount charged is not determined by the UnionPay exchange rate alone. Issuer fees, ATM fees, per-withdrawal limits, and the number of withdrawals all matter. Shihui puts those factors together so you can compare the real cost across different ATMs, accurate down to CNY 0.01, and withdraw with a clearer, calmer mind. If your actual charge differs from the site's calculation by more than CNY 1, please feel free to send us feedback. Thank you!
The UnionPay system updates its Japanese yen exchange rates every weekday at 11:00 AM Beijing time. Saturday and Sunday use Friday's rate. This site may update the rate with some delay. For the latest daily rate, it is best to check after 1:00 PM Japan time.
Best value
Sorted from lowest to highest real CNY cost.
Notes
Results are intended for pre-trip cash withdrawal estimates only. The actual charge may vary slightly depending on UnionPay rate publication time, issuer rule changes, ATM operating hours, and other factors. Please also pay attention to overseas withdrawal limits, which are commonly equivalent to CNY 10,000 per card per day and CNY 100,000 per person per year, subject to bank and regulatory rules.