Smaller islands beyond the main Okinawa island have noticeably fewer exchange counters and ATMs than Naha.
What thins out on smaller islands
Exchange counters and ATMs both become far less dense once you leave the main island, so planning ahead matters more than in Naha.
Exchanging before you go
Exchanging enough cash before island-hopping avoids running short somewhere with limited options.
Tip: Some ATMs on smaller islands are available at post offices or larger convenience stores, but availability is far less dense than in Naha.
Cash for small shops
Many smaller, family-run shops on outer islands are cash-only, so carrying enough cash is worth planning for.
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