Rakuten Card overseas ATM fees
Rakuten Card (Visa) fee terms, supported networks, and country-by-country ATM comparison pages.
Card basics
- Card name
- Rakuten Card Visa
- Supported networks
- VISA
- Home currency
- JPY
Fee terms
- Overseas ATM fee
- Card ATM fee JPY 220 per withdrawal (over JPY 10,000)
- FX markup
- Card FX / overseas service fee 3.63% (shopping transactions)
Official answers
- What does Rakuten Card charge for an overseas ATM withdrawal?
- Rakuten Card's overseas cashing page lists an ATM fee of 110 yen (tax included) at 10,000 yen or less and 220 yen (tax included) above that, on each withdrawal at a partner ATM in Japan or abroad. The stated interest rate is 18.0% a year. If the new loan plus Rakuten Card's other loan balances total 1,000,000 yen or more, that page says the new contract's rate is 15.0%. It also says the ATM you use may charge a separate fee. Rakuten Card overseas cashing
- Does Rakuten Card add an overseas service fee to an ATM withdrawal?
- Rakuten Card's overseas payment page lists an overseas service fee of 3.63%, tax included, from March 2025 for Visa, Mastercard, JCB, and American Express. It is added to the brand exchange rate on the statement. The member-terms revision says that overseas service fee is not charged on card cash advances used outside Japan: https://www.rakuten-card.co.jp/agreement/card_member/revision/20240401/ Rakuten Card overseas payment fees
Local ATM operator fee
The local ATM operator fee is passed through to your withdrawal amount and included in your billing.
This means the fee charged by the local ATM (e.g., 220 THB in Thailand) is added to your withdrawal amount and billed to you.