Can You Ride Seoul's Subway With Just an Overseas Card? What Works Now and What Changes in 2027

If you're worried about riding the Seoul subway during the Chuseok holiday without cash or a transit card, there is good news. Since March, Seoul subway ticket machines have accepted foreign-issued credit and debit cards to buy single tickets or top up transit cards, and starting in 2027 a simple tap of your card at the gate will be rolled out too. Knowing what already works and what is still coming can save you a search for a currency exchange booth.

The "Climate Card" is Seoul's unlimited-ride transit pass, and foreign visitors can now buy or reload one directly at the machine screen, which offers English, Japanese and Chinese menus alongside Korean. Because each overseas-card transaction carries an average 3.7% service fee, if you're staying several days it's more economical to load a multi-day short-term pass in one transaction rather than paying per ride.

What is not yet available is the simple tap-your-bank-card-at-the-gate system used in cities like London or Singapore. T-money announced on September 17 that it is partnering with Visa, Mastercard, UnionPay, JCB and Hana Card to build this, but development and testing will run through the end of 2026, with a phased rollout on Seoul city buses starting in 2027, later expanding to Incheon and airport buses. So for this trip, the most practical option is to top up a short-term pass with your overseas card at a ticket machine.