The UC Card cash advance feature is a convenient service that allows you to easily withdraw cash from ATMs at convenience stores nationwide when you need funds for unexpected expenses. Unlike many other credit cards, a major feature of UC Card is that you can make early repayments for both “Cash Advance One-Time Payment” and “Revolving Payment” at some convenience store ATMs. This article provides a detailed explanation of how to use the cash advance feature with your UC Card, including fees, operating hours, and procedures for major convenience store ATMs (7-Eleven, Lawson, Family Mart, and Ministop). It also comprehensively covers important notes on the convenient repayment feature, interest, and what to do if you are unable to use the service.
- A Comprehensive Guide to Convenience Store ATMs for UC Card Cash Advance
- [By Convenience Store] UC Card Cash Advance Details: Fees, Hours, and Operating Procedures
- Guide to Repaying Your UC Card Cash Advance at Convenience Store ATMs
- Important Information and Cautions for Using UC Card at Convenience Store ATMs
- Q&A on UC Card Cash Advance at Convenience Store ATMs
- Q1. If I use a cash advance at a convenience store ATM, how will it appear on At-U-Net and my statement?
- Q2. When and how will I be charged the ATM fee?
- Q3. What are the closing date and payment date (debit date) for cash advances?
- Q4. Can I repay a Cash Advance One-Time Payment at a Lawson Bank ATM?
- Q5. Do services differ depending on the issuer, such as UC Cards issued by Saison Card?
- Q6. Are the fees and operating hours the same during New Year’s holidays and public holidays?
- Q7. Is the cash advance amount eligible for earning UC Points?
- Q8. Can I set or change my cash advance limit later?
A Comprehensive Guide to Convenience Store ATMs for UC Card Cash Advance
If you have a cash advance credit limit set on your UC Card in advance, you can immediately start using the cash advance service at a nearby convenience store ATM. First, let’s review which ATMs at which convenience stores are compatible.
Overview of Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)
UC Card (Visa, Mastercard) cash advance services can be used at the following major convenience store ATMs across Japan.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- Family Mart: E-net ATM (*excluding some stores)
- Ministop: AEON Bank ATM
UC Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support UC Card cash advance (borrowing). Additionally, early repayment is possible at many ATMs. You will need your physical UC Card and the 4-digit PIN you have set.
Using Cash Advance at Overseas Convenience Store ATMs
UC Card can also be used for cash advances abroad. You can use it at ATMs displaying the logo of your card’s international brand (Visa, Mastercard) or related networks like “PLUS” or “Cirrus.” You will also need your PIN when using it overseas, so be sure to confirm it before your trip.
[By Convenience Store] UC Card Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using UC Card cash advance at each convenience store ATM.
*All fees include tax. Information is current as of June 2025. Please check the official websites of UC Card Co., Ltd. or each ATM operator for the latest information.
Using UC Card at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment (deposit) for Cash Advance One-Time Payment and Revolving Payment
ATM Fees for Cash Advance (Borrowing) and Repayment (Deposit)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: UC Card ATM Service | Seven Bank
ATM Availability and Maintenance Information
Seven Bank ATMs are generally available 24/7, 365 days a year. However, system maintenance may occur during certain times, such as late at night.
Cash Advance Operating Procedures at the ATM
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your UC Card into the ATM.
- Select the “Withdrawal (Borrowing)” button.
- Enter your 4-digit PIN.
- Enter the desired withdrawal amount.
- Confirm the details and receive your cash, card, and transaction receipt.
Using UC Card at Lawson (Lawson Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment (deposit) of Cash Advance Revolving Payment
*Repayment for Cash Advance One-Time Payment is not available at Lawson Bank ATMs.
ATM Fees for Cash Advance (Borrowing) and Repayment (Deposit)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: UC Card | Lawson Bank
ATM Availability and Maintenance Information
Lawson Bank ATMs are also generally operational 24 hours a day but have regular maintenance times. The service is unavailable during these periods.
Cash Advance Operating Procedures at the ATM
The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions to insert your card, enter your PIN, and specify the amount.
Using UC Card at Family Mart (E-net ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment (deposit) for Cash Advance One-Time Payment and Revolving Payment
ATM Fees for Cash Advance (Borrowing) and Repayment (Deposit)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: UC Card | E-net ATM Fees & Service Hours | E-net, Inc.
ATM Availability and Maintenance Information
E-net ATMs are also available almost 24 hours a day, but may be temporarily unavailable for maintenance late at night or in the early morning.
Cash Advance Operating Procedures at the ATM
The operating procedure is largely the same as for other convenience store ATMs. Follow the on-screen instructions to complete the transaction.
Using UC Card at Ministop (AEON Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment (deposit) for Cash Advance One-Time Payment and Revolving Payment
ATM Fees for Cash Advance (Borrowing) and Repayment
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Domestic CD/ATM Locations | UC Card Cash Advance | UC Card
ATM Availability and Maintenance Information
AEON Bank ATMs operate for long hours, but there may be times when they are unavailable due to the store’s business hours or system maintenance.
Cash Advance Operating Procedures at the ATM
The procedure is the same as for other ATMs. Follow the on-screen prompts to insert your card, enter your PIN, and enter the amount.
Guide to Repaying Your UC Card Cash Advance at Convenience Store ATMs
Early Repayment for Both One-Time and Revolving Payments is Possible at Convenience Store ATMs
A major feature of UC Card is that you can make early repayments (partial or full) for both “Cash Advance One-Time Payment” and “Cash Advance Revolving Payment” at Seven Bank, E-net, and AEON Bank ATMs. This allows for flexible repayment when you want to reduce interest costs.
Important: Lawson Bank ATMs Do Not Support Repayment for One-Time Payments
While ATM repayment is convenient, Lawson Bank ATMs do not support early repayment for “Cash Advance One-Time Payment.” Repayment for “Cash Advance Revolving Payment” is possible, but if you want to repay a one-time payment, you must use a different convenience store ATM.
Repayment-Compatible Convenience Store ATMs and Fees
The convenience store ATMs that allow early repayment for cash advances and their associated fees are as follows. The fees are the same as for borrowing.
| ATM | One-Time Payment Repayment | Revolving Payment Repayment | Fee (¥10k or less / Over ¥10k) |
|---|---|---|---|
| Seven Bank ATM | ✓ Possible | ✓ Possible | ¥110 / ¥220 |
| Lawson Bank ATM | ✗ Not Possible | ✓ Possible | ¥110 / ¥220 |
| E-net ATM | ✓ Possible | ✓ Possible | ¥110 / ¥220 |
| AEON Bank ATM | ✓ Possible | ✓ Possible | ¥110 / ¥220 |
ATM Repayment Procedures and Important Notes
- Select “Credit Card,” then “Deposit (Repayment)” or a similar option from the ATM menu.
- Insert your card and enter your PIN.
- Select the transaction you wish to repay (One-Time Payment or Revolving Payment).
- Insert bills for the amount you wish to repay.
- Confirm the details and receive your card and transaction receipt.
Repayable Amounts and Units
Repayments at convenience store ATMs can be made in units of ¥1,000. Since ATMs do not accept coins, you cannot make a repayment that includes an amount less than ¥1,000.
Timing for Repayment Information to Be Reflected and Credit Line Restoration
It typically takes 2 to 5 business days for the repaid information to be reflected in your available credit line. Be aware that your limit will not be restored immediately if you plan to use the service again soon.
Important Information and Cautions for Using UC Card at Convenience Store ATMs
Checking Your Cash Advance Limit and Applying for an Increase
To use the cash advance service, a “cash advance credit limit” must be set in advance. You can check your current limit on the members-only site “At-U-Net” or on your statement. You can also apply for a credit limit increase through At-U-Net, but this is subject to a prescribed screening process.
Per-Transaction and Daily ATM Withdrawal Limits
In addition to your own cash advance limit, each ATM you use has its own per-transaction limit. For example, there may be a restriction, such as being able to withdraw only up to ¥200,000 at a time. If you wish to make a larger transaction, you will need to do so in multiple steps.
Cash Advance Interest Rate (Annual Percentage Rate) and How to Calculate Interest
The cash advance interest rate for UC Card varies depending on the card type and screening, and is set within a range of 15.0% to 18.0% APR. Interest is calculated on a daily basis using the following formula:
Interest = Amount Borrowed × Annual Percentage Rate ÷ 365 days (or 366 in a leap year) × Number of Days Used
The number of days used is the period from the day after the borrowing date to the payment date (or early repayment date).
How to Inquire/Reset Your PIN If You Forget It
A 4-digit PIN is required to use the cash advance service. If you forget it, you can request an inquiry through “At-U-Net” or by phone. After the procedure, a document containing your PIN will be mailed to your registered address. For security reasons, your PIN cannot be given to you directly on the spot.
Possible Reasons and Solutions If You Cannot Use Cash Advance
If you are unable to use cash advance at an ATM, the following reasons are possible:
・The cash advance credit limit has not been set or has been exceeded.
・Your card is locked due to entering the wrong PIN multiple times.
・The card’s magnetic stripe is faulty or the IC chip is damaged.
・It is during system maintenance hours for the ATM or the card company.
・Your card payments are overdue.
First, check your usage status on At-U-Net. If the issue is not resolved, please contact the Information Center listed on the back of your card.
Source: Customer Support | UC Card
Q&A on UC Card Cash Advance at Convenience Store ATMs
Q1. If I use a cash advance at a convenience store ATM, how will it appear on At-U-Net and my statement?
A1. On At-U-Net and your statement, it will be listed under a description like “CD (Domestic) Cash Advance” or “ATM Cash Advance,” and will show the date of use, amount, and the name of the financial institution operating the ATM (e.g., Seven Bank).
Q2. When and how will I be charged the ATM fee?
A2. The ATM usage fee will be debited from your account along with your card charges on the payment date two months after the month of use.
Q3. What are the closing date and payment date (debit date) for cash advances?
A3. The closing date is the 10th of each month, and the payment date (debit date) is the 5th of the following month (or the next business day if it’s a bank holiday). For example, amounts used by June 10th will be debited on July 5th.
Q4. Can I repay a Cash Advance One-Time Payment at a Lawson Bank ATM?
A4. No, you cannot. Due to the system specifications of Lawson Bank ATMs, they do not support repayment for UC Card’s Cash Advance One-Time Payment. Repayment for revolving payments is possible.
Q5. Do services differ depending on the issuer, such as UC Cards issued by Saison Card?
A5. Yes, they differ. For UC Cards issued by Credit Saison, the members’ site is “Net Answer,” the points are “Eikyu Fumetsu Points” (non-expiring points), and the repayment rules follow Saison Card’s specifications. This article mainly explains UC Cards issued by UC Card Co., Ltd. and its group companies. Please check your card’s issuer.
Q6. Are the fees and operating hours the same during New Year’s holidays and public holidays?
A6. As long as the ATM is operational, you can use cash advance during New Year’s and public holidays, and the fees do not change from the usual. However, operating hours may be altered due to special system maintenance.
Q7. Is the cash advance amount eligible for earning UC Points?
A7. No, the cash advance amount, ATM fees, and interest are not eligible for earning UC Points.
Q8. Can I set or change my cash advance limit later?
A8. Yes, you can. You can apply to set (add) or increase your cash advance limit from the members-only site “At-U-Net.” After you apply, a prescribed screening process will be conducted.
Last Updated: June 26, 2025