Why card and cash rates can be different
- Card payments may settle at a different rate from the one you saw when you made the purchase
- Cash exchanges often include fees and spreads, so your effective exchange rate can be worse than the headline rate
Which rate gives the best estimate?
- Use a rate close to your purchase date if you want a practical estimate
- If you paid by card, remember the final settlement rate may move slightly
- If the purchase is large, compare more than one rate to understand the range
FAQ
Which exchange rate should I use?
If you want a practical estimate, use a rate that is close to your purchase date and payment method.
Why does the exchange rate matter for tax refund?
The refund amount is paid in JPY, but many travelers want to know what that means in their home currency. A different rate can change how the result feels in real terms.
Will my estimate be exact?
Not always. Fees, spreads, and the final card settlement rate can all create a gap between the estimate and the amount you finally see.
Which date’s rate should I use?
Using the rate around your purchase date usually gives the most useful estimate.