Avoid Holiday Headaches: Your Guide to Japan’s New Year Closures (Banks, Post Offices & Essentials)

Japan’s New Year period, known as Shōgatsu, is a significant cultural event. It’s a time for family gatherings, traditional meals, and spiritual visits to shrines. For international visitors or new residents, however, this festive period often brings an unexpected challenge: widespread closures of essential services.

Finding an open bank to withdraw cash, sending a crucial parcel, or even locating medical help can become a source of frustration if you’re unprepared. You’re not alone in facing this uncertainty. Many travelers find themselves caught off guard by the limited access to services that are usually available year-round.

This comprehensive guide is designed to remove that friction. We’ll provide actionable strategies and specific information to navigate essential service closures during Japan’s New Year holiday, ensuring you can access cash, send mail, find necessary support, and enjoy your time without unexpected difficulties.

Understanding Japan’s New Year Holiday Period

The New Year’s holiday in Japan typically spans from December 29th (or 30th) to January 3rd (or 4th). During this time, many businesses, government offices, banks, and post offices observe extended closures. This period is culturally significant, focusing on family, tradition, and preparing for a prosperous new year. It’s not uncommon for businesses to give their staff this time off, resulting in widespread service reductions.

🎯 Local Pro-Tip: Do not assume that services will operate as they do in your home country during public holidays. Japan’s New Year closures are extensive. Plan your essential tasks, like cash withdrawals and parcel shipments, to be completed *before* December 29th.

Navigating Your Finances: Banks & ATMs

Access to cash is crucial in Japan, as many smaller establishments and some major services still rely on it. During New Year’s, your usual banking options will change significantly.

Bank Branch Closures

All major banks in Japan, including MUFG, SMBC, Mizuho, Resona, and Japan Post Bank branches, close for counter services. This closure typically lasts from December 31st to January 3rd. Some branches may even close earlier, from December 29th or 30th. This means no over-the-counter transactions, foreign currency exchange, or specialized banking assistance.

ATM Access: Your Lifeline

While bank branches close, ATMs offer a solution. However, not all ATMs are created equal during the holidays.

• Convenience Store ATMs: Your most reliable option. ATMs located inside 7-Eleven (Seven Bank), FamilyMart (E-net ATM), and Lawson (Lawson Bank) stores are generally operational 24/7 throughout the New Year’s period. They support most international cards for withdrawals. Be aware that some may have short, scheduled maintenance windows, but these are infrequent.
• Bank Branch ATMs: ATMs directly at bank branches might have reduced hours or be inaccessible if the bank building itself is locked. Relying solely on these can lead to frustration.
• Train Station ATMs: Major train stations often have ATMs that remain operational, sometimes with reduced hours.

Prioritize convenience store ATMs for consistent access to cash.

Seven Bank ATM Information (English)
FamilyMart ATM Service Information (English)
Lawson Bank ATM Service Information (Japanese, use translator)

Visual Guide to Using a Convenience Store ATM

Using an ATM in a Japanese convenience store is straightforward, especially as most offer multilingual interfaces.

1. Step 1: Locate the ATM

   Visual cue: Look for a bright, well-lit convenience store like 7-Eleven, FamilyMart, or Lawson. ATMs are usually near the entrance or in a dedicated corner. You’ll see “ATM” (often in English) or “銀行ATM” (ginkō ATM) signs.

   What to do: Enter the store and proceed to the ATM. During New Year’s, these are your primary source of cash.

   

2. Step 2: Select Your Language

   Visual cue: The first screen often presents language options. Look for “English” or the British/American flag icons.

   What to do: Tap the “English” button. This will translate all subsequent prompts.

3. Step 3: Insert Your Card & Select Transaction

   Visual cue: A flashing light or clear slot indicates where to insert your credit or debit card.

   What to do: Insert your card. Most ATMs will then ask you to select “Withdrawal” (お引出し – ohikidashi) or a similar option for cash. Choose “International Card” if prompted.

4. Step 4: Enter PIN & Amount

   Visual cue: A numeric keypad will appear for your PIN. The screen will show options for withdrawal amounts.

   What to do: Enter your 4-digit PIN. Then, select a predetermined amount or input a custom amount. Be mindful of daily withdrawal limits set by your home bank and the ATM itself.

5. Step 5: Confirm & Collect

   Visual cue: The screen will display a summary of your transaction, including any fees.

   What to do: Confirm the details. The ATM will dispense your cash, then your card, and finally a receipt. Collect all items promptly.

💰 Price Breakdown: ATM Transaction Fees

🎯 Local Pro-Tip: To minimize fees, make fewer, larger withdrawals rather than multiple small ones. Always carry emergency cash, ideally in a separate, secure location. Consider utilizing cashless payment options where available, but do not rely solely on them. Learn more about cashless vs. cash in Japan.

Sending & Receiving: Japan Post Services

Japan Post is a critical service for both domestic and international mail, parcels, and even banking. However, during the New Year, its operations are significantly curtailed.

Post Office Counter Closures

Similar to banks, Japan Post Office counter services (mail, banking, insurance) are typically closed from December 29th to January 3rd. This means you cannot send parcels, buy stamps, or access any other counter-based services during this period.

Mail & Parcel Delivery Delays

Mail collection from post boxes and delivery services are significantly reduced or halted during the New Year period. Expect delays for all types of mail, especially non-urgent items. For international parcels (EMS, Yu-Pack International) and domestic Yu-Pack services, there is often an earlier cutoff date for guaranteed delivery before New Year’s. Any items sent during the holiday period may not resume processing until January 4th or 5th, leading to substantial delays.

Japan Post Bank – English Information (Check for holiday notices)

🎯 Local Pro-Tip: If you need to send anything important, plan to do so at least a week before December 29th. If you receive mail, be aware it may sit in a post office for several days before delivery resumes. Do not plan any urgent shipments or receipts during this window.

Essential Goods & Services: Staying Supplied

Beyond finances and mail, your access to food, toiletries, and other daily necessities also changes.

Convenience Stores: Your 24/7 Hub

Most convenience stores (7-Eleven, FamilyMart, Lawson, MiniStop) are the backbone of daily life in Japan, and they generally remain open 24/7 during New Year’s. They provide access to essential groceries, snacks, drinks, basic toiletries, and, importantly, ATMs. You can also find some ready-to-eat meals and hot food items.

Supermarkets, Department Stores & Local Shops

Many large supermarkets (e.g., Aeon, Ito-Yokado) and department stores will close on January 1st and may operate with reduced hours on December 31st and January 2nd-3rd. Smaller local shops, particularly family-run businesses, are highly likely to be closed for the entire holiday period. This means your options for fresh produce or specialty items will be limited.

🎯 Local Pro-Tip: Stock up on any specific groceries or non-prescription medications you might need before December 30th. For dining, research restaurant holiday hours in advance, as many establishments, particularly smaller ones, will be closed.

Health & Safety: Medical Assistance

Medical needs do not halt for holidays. Knowing where to go and who to contact is critical.

Emergency Medical Services

While most clinics and non-emergency hospitals close, emergency medical services (ERs) at larger hospitals are available 24/7. However, be prepared for longer wait times due to increased demand and reduced staff. Language barriers can also be a challenge, so having a translation app or contact for assistance is advisable.

Non-Emergency Situations

For non-life-threatening issues, local clinics and pharmacies will likely be closed. Your hotel concierge can be a valuable resource for finding any open clinics or pharmacies in your area, or for general medical advice. For more serious concerns, the JNTO Japan Helpline is a key contact.

🎯 Local Pro-Tip: Always have travel insurance that covers medical emergencies. Carry a basic first-aid kit and any essential prescription medications with you. If you have an existing medical condition, consider carrying a doctor’s note translated into Japanese.

Getting Around: Public Transportation

Public transportation remains operational, but schedules adjust for the holiday period.

Holiday Schedules

Trains and buses often operate on a ‘holiday schedule’ during New Year’s, meaning reduced frequency. While services are still reliable, you might experience longer waits between connections, particularly outside major city centers.

New Year’s Eve Special Services

On New Year’s Eve, some major train lines (e.g., JR Yamanote Line in Tokyo) may run 24-hours for Hatsumode (the first shrine visit of the year). This allows people to travel to popular shrines for midnight prayers. Check specific railway company websites for detailed holiday schedules if you plan to use public transport during this time.

Key Strategies for a Smooth Holiday

Proactive planning is your best defense against New Year’s inconveniences.

• Plan Ahead (Financial): Withdraw sufficient cash *before* December 29th. Factor in ATM fees and daily limits.
• Plan Ahead (Shipping): Send any important mail or parcels well in advance of December 29th.
• Plan Ahead (Essentials): Stock up on groceries, medications, and other daily necessities from supermarkets before they close or reduce hours.
• Stay Informed: Check official websites of banks, post offices, transportation companies, and specific attractions for their holiday operating hours. Use translation tools if necessary.
• Embrace Cash & Cashless: Be prepared to use cash, especially in smaller towns or for shrine visits. For larger purchases, credit cards and mobile payments are more widely accepted in major cities, but always have a cash backup.
• Language Preparedness: Have essential Japanese phrases ready, or utilize translation apps. The JNTO Helpline is your crucial resource for language barriers in emergencies.

🇯🇵 Point & Speak: Essential Japanese Phrases

Communication can be a barrier. These phrases can help you navigate common New Year’s challenges. Show this section to staff if you’re stuck.

📋 Quick Reference Card: New Year Essentials

Conclusion

Navigating Japan’s New Year holiday closures requires preparation. By understanding the typical shutdown periods for banks, post offices, and other essential services, and by taking proactive steps for cash access, medical readiness, and general supplies, you can significantly reduce potential stress. Japan offers a unique and memorable experience during this traditional period, and with the right planning, you can focus on enjoying it.

Share your own experiences or ask further questions in the comments below. Your insights help fellow travelers.

Disclaimer

This guide provides general information based on typical New Year’s holiday patterns in Japan. Specific closure dates and operating hours can vary by year, region, and individual establishment. Always verify information with official sources (e.g., specific bank websites, Japan Post advisories, attraction official pages) for the most current details. In medical emergencies, always prioritize calling 119.