SMBC Mobit’s Mobit Card can be used for borrowing and repayments at affiliated ATMs located in convenience stores nationwide. The ease of being able to handle transactions at a nearby location when you need cash for a sudden expense or to meet a repayment deadline is a major appeal. However, it’s important to understand the service details in advance, as fees may apply depending on the convenience store ATM and the transaction amount. This article provides a comprehensive guide, from details on using SMBC Mobit at major convenience store ATMs to how to use the cardless “Smartphone ATM”.
- A Comprehensive Guide to Convenience Store ATMs for SMBC Mobit
- [By Store] Detailed Guide to SMBC Mobit ATM Use: Borrowing/Repayment Fees & Hours
- A Complete Guide to Borrowing & Repaying with the Cardless “Smartphone ATM”
- General Points of Caution When Using SMBC Mobit at Convenience Store ATMs
- Transaction Limits: Per-Transaction and Daily Borrowing/Repayment Caps
- Handling of Coins: Repayments at Convenience Store ATMs are in ¥1,000 Increments (Banknotes Only)
- Handling of Change: Repayments in ¥1,000 Increments and Deposit Balance (Non-Interest-Bearing Balance) Processing
- Checking System Maintenance Times: SMBC Mobit Official Site and ATM Information
- PIN Management and Security: For Safe ATM Use
- Q&A on Using SMBC Mobit at Convenience Store ATMs
- Q1. If I make a repayment at a convenience store ATM, will my available credit be restored immediately?
- Q2. Can I use the Smartphone ATM at convenience stores other than Seven-Eleven and Lawson?
- Q3. Is there a way to avoid fees at convenience store ATMs?
- Q4. Can I borrow or repay at convenience store ATMs during the New Year’s or long holiday weekends?
- Q5. What should I do if I want to repay a balance of less than ¥1,000 at a convenience store ATM?
- Q6. Can I use a Mobit Card with T-Card functionality at convenience store ATMs in the same way?
- Q7. My Mobit Card isn’t working at a convenience store ATM. What could be the cause?
- Q8. Will my ATM transaction statements be mailed to my home?
A Comprehensive Guide to Convenience Store ATMs for SMBC Mobit
SMBC Mobit is affiliated with major convenience store ATM networks across Japan, providing an environment that is easily accessible to users wherever they are. First, let’s get an overview of which convenience stores offer SMBC Mobit services.
Availability at Major Convenience Stores (Seven-Eleven & Lawson)
The ATMs located in Seven-Eleven and Lawson, which are frequently used in daily life, play a central role in SMBC Mobit transactions.
- Seven-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
Mobit Card Compatibility at Seven Bank and Lawson Bank ATMs
Both Seven Bank ATMs and Lawson Bank ATMs support borrowing and repayments with a Mobit Card. They are extremely convenient as they are generally available 24 hours a day. Furthermore, these ATMs also support “Smartphone ATM” transactions, which can be done without a card.
Other Affiliated Convenience Store ATMs (FamilyMart, Ministop, etc.)
In addition to the convenience stores listed above, SMBC Mobit is also affiliated with the following ATM networks.
- FamilyMart, Daily Yamazaki, etc.: E-net ATM
- Ministop, etc.: AEON Bank ATM
- Some FamilyMart stores, etc.: Japan Post Bank ATM
Availability at E-net, AEON Bank, and Japan Post Bank ATMs
Borrowing and repayments using a Mobit Card are also possible at E-net ATMs in stores like FamilyMart, AEON Bank ATMs in Ministop, and Japan Post Bank ATMs inside some convenience stores. However, since these ATMs do not support Smartphone ATM transactions, a Mobit Card is required for use.
[By Store] Detailed Guide to SMBC Mobit ATM Use: Borrowing/Repayment Fees & Hours
From here, we will take a closer look at the fees and operating hours for conducting SMBC Mobit transactions at each affiliated ATM.
*All fees include tax. Information is current as of June 2025. Please check the official websites of SMBC Mobit or each ATM operator for the latest information.
Using SMBC Mobit at Seven-Eleven (Seven Bank ATM)
Available Transactions
- Borrowing
- Repayment
Borrowing & Repayment Fees: Tiered by Transaction Amount
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: SMBC Mobit ATM Service | Seven Bank
ATM Availability and SMBC Mobit Maintenance Information
Seven Bank ATMs are generally available 24 hours a day, but they cannot be used during SMBC Mobit’s system maintenance periods.
Main Maintenance Window: Every Monday from 12:00 AM to 7:00 AM
All transactions are suspended during this time. They may also be unavailable on New Year’s Day or during temporary maintenance.
Using SMBC Mobit at Lawson (Lawson Bank ATM)
Available Transactions
- Borrowing
- Repayment
Borrowing & Repayment Fees: Tiered by Transaction Amount
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: SMBC Mobit (Sumitomo Mitsui Card) | Lawson Bank
ATM Availability and SMBC Mobit Maintenance Information
Lawson Bank ATMs are also generally available 24 hours a day, except during SMBC Mobit’s system maintenance hours (e.g., every Monday from 12:00 AM to 7:00 AM). It is recommended to check the official website for the latest information before use.
A Must-See: Use Sumitomo Mitsui Banking Corporation (SMBC) ATMs for Free
While convenience store ATMs are handy, they charge a fee for each use. Since SMBC Mobit is part of the Sumitomo Mitsui Banking Corporation Group, you can use SMBC ATMs nationwide for both borrowing and repayments, completely free of charge.
Fee Comparison: Convenience Store ATMs vs. SMBC ATMs
| ATM Type | Fee |
|---|---|
| SMBC ATM | Free |
| Convenience Store Affiliated ATM (Seven Bank, Lawson Bank, etc.) | ¥110 – ¥220 |
A Complete Guide to Borrowing & Repaying with the Cardless “Smartphone ATM”
What is Smartphone ATM? Cardless Transactions Using the Official “MyMobi” App
SMBC Mobit’s “Smartphone ATM” is a service that allows you to borrow from and repay to affiliated ATMs without a Mobit Card, using the official “MyMobi” app. It’s convenient and secure, as you can complete transactions with just your smartphone without carrying a card. This service is available at Seven Bank ATMs and Lawson Bank ATMs.
[For Seven Bank & Lawson Bank ATMs] Smartphone ATM Borrowing & Repayment Steps
Preparation: How to Set Up the Official “MyMobi” Smartphone App
To use the Smartphone ATM, you must first install the official “MyMobi” app on your smartphone and log in as a member. Once ready, select the “Smartphone ATM Transaction” menu from the app’s home screen.
ATM Operation Flow: How to Scan the ATM Screen’s QR Code with the App
- Start the ATM Operation: For Seven Bank ATMs, select “Withdrawal, Deposit, Credit Transactions, etc.” For Lawson Bank ATMs, select “Smartphone Transaction”.
- Display the QR Code on the ATM Screen: A QR code for the transaction will be displayed on the ATM screen.
- Scan the QR Code with the App: Start the “Smartphone ATM Transaction” in the “MyMobi” app on your smartphone to activate the camera. Use the camera to scan the QR code displayed on the ATM screen.
- Enter Corporate Number and Amount: Once the QR code is successfully scanned, a corporate number will appear in the app. Enter the corporate number and the desired transaction amount on the ATM screen.
- Collect Cash and Receipt: Collect the cash and the transaction receipt from the ATM to complete the transaction.
Smartphone ATM Fees and Transaction Limits
The usage fees for Smartphone ATM are the same as when transacting with a Mobit Card. It costs ¥110 for transactions of ¥10,000 or less, and ¥220 for transactions over ¥10,000. The amount you can use is also the same as with a card transaction, within your personal contract limit.
Common Reasons and Solutions for Smartphone ATM Not Working
If you are unable to use the Smartphone ATM, the following reasons are possible:
・It is during SMBC Mobit’s system maintenance window.
・The app version is old, or your smartphone’s connection is poor.
・Poor QR code reading (due to a dirty camera lens, damaged smartphone screen, etc.).
First, try updating the app, restarting your smartphone, and checking your internet connection. If the problem persists, try again later or contact the Mobit call center.
Source: Smartphone ATM Transaction | Special Service Information | SMBC Mobit
General Points of Caution When Using SMBC Mobit at Convenience Store ATMs
Transaction Limits: Per-Transaction and Daily Borrowing/Repayment Caps
Separate from your personal contract limit, each ATM has its own per-transaction limit. For example, Seven Bank ATMs have a deposit/withdrawal limit of ¥500,000 per transaction, while Lawson Bank ATMs have a withdrawal limit of ¥200,000. If you need to transact a large amount, you will have to do it in multiple transactions.
Handling of Coins: Repayments at Convenience Store ATMs are in ¥1,000 Increments (Banknotes Only)
Affiliated convenience store ATMs do not accept coin deposits. Repayments must be made in ¥1,000 banknote increments. Therefore, you cannot pay off a loan in full at a convenience store ATM if the balance includes an amount less than ¥1,000.
Handling of Change: Repayments in ¥1,000 Increments and Deposit Balance (Non-Interest-Bearing Balance) Processing
When you deposit more than your outstanding balance at a convenience store ATM, you will not receive change. The overpaid amount becomes a “deposit balance.” If the remaining balance after repayment is less than ¥1,000, that remainder is treated as a “non-interest-bearing balance,” and no interest or payment deadline is set. If you wish to pay it off completely, you must use methods like bank transfer to settle the amount.
Checking System Maintenance Times: SMBC Mobit Official Site and ATM Information
SMBC Mobit has a regular maintenance window every Monday from 12:00 AM to 7:00 AM. All ATM transactions are suspended during this time. Temporary maintenance may also occur during the New Year holidays or long weekends, so it is recommended to check the latest information on the official website before use.
PIN Management and Security: For Safe ATM Use
When operating an ATM, please take basic security precautions, such as covering the keypad with your hand so others cannot see your PIN. If you enter the wrong PIN multiple times, your card will be locked and become unusable. In that case, you will need to contact the Mobit call center, so please manage your PIN carefully.
Q&A on Using SMBC Mobit at Convenience Store ATMs
Q1. If I make a repayment at a convenience store ATM, will my available credit be restored immediately?
A1. Yes, in principle, it will be reflected in your available credit immediately after the transaction is completed. You can check it right away in the “MyMobi” app or the members-only service “MyMobi” after making the repayment.
Q2. Can I use the Smartphone ATM at convenience stores other than Seven-Eleven and Lawson?
A2. No, as of 2025, SMBC Mobit’s Smartphone ATM can only be used at Seven Bank ATMs and Lawson Bank ATMs. It cannot be used at E-net ATMs located in FamilyMart and other stores.
Q3. Is there a way to avoid fees at convenience store ATMs?
A3. You cannot avoid the fees at affiliated convenience store ATMs. If you want to transact without fees, you must use a Sumitomo Mitsui Banking Corporation (SMBC) ATM, which are located nationwide.
Q4. Can I borrow or repay at convenience store ATMs during the New Year’s or long holiday weekends?
A4. Yes, except for regular maintenance hours, they are generally available 24 hours a day during New Year’s and long holiday weekends. The fees are also the same as on normal days. However, since temporary system maintenance could occur, it is safer to check the announcements on the official website.
Q5. What should I do if I want to repay a balance of less than ¥1,000 at a convenience store ATM?
A5. You cannot repay a balance of less than ¥1,000 (a non-interest-bearing balance) at a convenience store ATM. To pay off the loan completely, you need to use methods like internet repayment, bank transfer, or an SMBC ATM.
Q6. Can I use a Mobit Card with T-Card functionality at convenience store ATMs in the same way?
A6. Yes, you can use it in the same way. A Mobit Card with T-Card functionality can be used for borrowing and repayments at affiliated convenience store ATMs, just like a regular Mobit Card. The terms, including fees, are also the same.
Q7. My Mobit Card isn’t working at a convenience store ATM. What could be the cause?
A7. The main possible causes are a faulty or damaged magnetic stripe or IC chip on the card. Other potential causes include a lock due to an incorrect PIN, an expired card, or exceeding your credit limit. If it still doesn’t work after trying multiple ATMs, please contact the Mobit call center.
Q8. Will my ATM transaction statements be mailed to my home?
A8. No, they will not be mailed. With SMBC Mobit, the standard is the “Electronic (Web) Statement,” where transaction details are confirmed online. Please check the transaction details on the receipt issued at the ATM and keep it if necessary.
Last updated: June 17, 2025