Lost Your Wallet or Credit Card in Japan? Here’s Exactly What to Do Step-by-Step
Losing your wallet abroad can feel like a nightmare — especially when you rely on it for everything.
But take a breath — in Japan, honesty and efficiency mean there’s a real chance you’ll get it back.
According to the National Police Agency, about 68% of lost wallets in Japan are returned — one of the highest recovery rates in the world.
This guide explains exactly what to do, in the right order, to protect your money, report the loss, and get back on track — even from overseas.
Step 1: Stay Calm and Check Your Surroundings
Don’t panic — many travelers find their wallet later.
Before assuming it’s lost, take a few minutes to retrace your steps:
- Check all pockets (inside bags, jackets, pants)
- Look in your hotel room, under the bed, or near outlets
- Ask the restaurant or taxi driver if you’ve just left
Tip: Around one-third of travelers find their wallet within 30 minutes — don’t skip this step.
Step 2: Contact Your Credit Card Company Right Away
Act fast — time is everything.
If you still can’t find it, call your card company immediately to prevent unauthorized charges.
You’ll be given two options:
- Temporary suspension: freezes your card for now; can be reactivated later.
- Full cancellation: permanently blocks your card and requires reissue.
Tip: Unless you’re certain it’s nearby, choose cancellation — it’s safer even if found later.
Step 3: File a Police Report (Ishitsubutsu Todoke)
This is the key to recovery and insurance claims.
Go to the nearest koban (police box) or police station and file a Lost Property Report.
Why it matters:
- 🧾 Many card issuers require the receipt number for reissue
- 💰 Travel insurance claims often require official proof from police
Note: The report can be filed at a koban, but the certificate is usually issued only at the main police station.
Step 4: Secure a Backup Payment Option
No cash? No problem — there are still safe and fast ways to get money in Japan.
🚨 Emergency Card Issuance
Some major card companies offer temporary cards (valid 1–2 months) for travelers overseas.
Pick-up locations include:
- Partner bank branches
- Hotel front desks (if prearranged)
🏦 International Money Transfer
If that’s unavailable, ask a friend or family member to send funds via Western Union.
Bring your passport and MTCN number to collect it safely.
Step 5: What Embassies and Consulates Can (and Can’t) Do
Embassies in Japan cannot provide financial assistance for wallet or card loss.
However, they can:
- Confirm your identity for your bank
- Provide contact info for your insurance company
If your passport was also lost, read our detailed guide:
Step 6: Need Help Locating Your Wallet or Card?
If you’ve already left Japan or find it difficult to contact facilities in Japanese,
Japan Lost and Found Service can help.
We act locally on your behalf:
- Contacting police, railways, or shops in Japanese
- Verifying and retrieving your wallet in person
- Handling secure packaging and international shipping
- Sending English updates at every stage
Summary
- 🔍 Double-check your belongings
- ☎️ Call your card company immediately
- 👮 File a police report and get the receipt
- 💳 Secure funds via emergency card or transfer
- 🏛️ Embassy can assist with documents, not money
Japan’s efficient and honest lost property system gives you a real chance to recover your wallet or card.
Stay calm — and if needed, let Japan Lost and Found Service handle the process for you.
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About the Author
Yusuke Baba — Founder, Japan Lost and Found Service
I myself have had the experience of losing my MacBook while on my honeymoon, so I deeply understand the anxiety that comes with it. This experience gave me a strong desire to help those who are truly in trouble and facing language and cultural barriers, which is why I started this service.
I hope this guide can help ease your worries and provide a clear path to getting your lost item back. If you are struggling with a lost item, please feel free to contact us.