Handling Money in Asia: A Practical Guide for Every Country

Cash culture varies enormously by country

Japan is still largely cash-based. Singapore is almost entirely cashless. Vietnam is a mix. Thailand is evolving. Understanding which system each country uses before you arrive saves confusion and ensures you’re never caught without the right payment method.

Japan: cash first, card second

Japan remains the most cash-dependent developed country in Asia. Many small restaurants, temples, and local shops are cash-only. Carry ¥10,000–20,000 at all times. 7-Eleven ATMs accept all major international cards 24/7. IC cards (Suica/Pasmo) function as a payment card at convenience stores and increasingly at restaurants — top up with cash and use everywhere.

Thailand: cash and Grab

Thai Baht is used for most purchases. Grab and major hotels take cards. Street food, markets, and most local restaurants are cash. 7-Eleven accepts cards. Bangkok’s BTS Skytrain uses the Rabbit Card (like Japan’s Suica). ATMs everywhere charge THB 220 per withdrawal — minimize transaction count.

Vietnam: cash and Grab

VND cash is essential. Grab works everywhere for transport. Tourist hotels and restaurants accept cards with a 3–5% surcharge at some. Street food and markets are cash only. The VND notes can be confusing (many zeros) — take time to learn the denominations before you need them quickly.

Singapore: cashless paradise

Singapore is among the world’s most cashless societies. PayNow, credit cards, and NETS (local debit) are accepted almost everywhere including hawker centres and wet markets. EZ-Link (transit IC card) handles transport. Carry SGD 50–100 for emergencies; cards handle everything else.