How to Borrow and Repay with SMBC Card Loan at Convenience Store ATMs: Fees, Hours | Guide to 7-Eleven, Lawson, Family Mart, and Ministop Compatibility

The Sumitomo Mitsui Banking Corporation (SMBC) Card Loan is a convenient service that allows you to easily borrow and repay from ATMs at partner convenience stores nationwide. While a significant advantage is that usage fees for partner convenience store ATMs are free, there are important points to know in advance, such as the unique rule where repaying before the due date carries over the next repayment date, and the fact that Ministop (AEON Bank ATMs) cannot be used. This article provides a detailed explanation of how to use the SMBC Card Loan at convenience store ATMs, covering fees, operating hours, and procedures for major convenience stores. It also comprehensively explains the characteristic repayment rules, important notes, and what to do if you are unable to use the service.

A Comprehensive Guide to Convenience Store ATMs for SMBC Card Loan Borrowing and Repayment

With the loan card issued after your contract is finalized, the SMBC Card Loan allows you to use borrowing and repayment services at major convenience store ATMs near you. First, let’s review which convenience store ATMs are compatible and which are not.

Overview of Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)

The SMBC Card Loan is partnered with ATMs located in the following convenience stores, allowing for borrowing and repayment.

7-Eleven: Seven Bank ATM
Lawson: Lawson Bank ATM
Family Mart: E-net ATM (*excluding some stores)

SMBC Card Loan Compatibility at Seven Bank, Lawson Bank, and E-net ATMs

ATMs at 7-Eleven, Lawson, and Family Mart (stores with E-net) are partnered with the SMBC Card Loan. To use them, you will need your loan card and the 4-digit PIN you set up when you signed the contract.

Regarding Incompatibility with AEON Bank ATMs (Ministop ATMs)

As a key point, AEON Bank ATMs located in Ministop are not partnered with the SMBC Card Loan. Therefore, you cannot use the SMBC Card Loan for borrowing or repayment at Ministop ATMs at all.

Available Transactions at Each Partner ATM

The following transactions are generally available at all partner convenience store ATMs.

Borrowing: You can withdraw cash within your credit limit.
Repayment: You can make your scheduled monthly payments or additional temporary repayments.

[By Convenience Store] SMBC Card Loan Borrowing & Repayment Details: Fees, Hours, and Operating Procedures

From here, we will detail the fees, available hours, and basic operating procedures for using the SMBC Card Loan at each convenience store ATM.
*Information is current as of July 2025. Please check the official websites of Sumitomo Mitsui Banking Corporation or each ATM operator for the latest information.

Using SMBC Card Loan at 7-Eleven (Seven Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge. There are no fees for either borrowing or repayment.

Source: Available ATMs for Card Loan : Sumitomo Mitsui Banking Corporation

ATM Availability and Maintenance Information

Seven Bank ATMs are generally available 24/7, 365 days a year, but the service is unavailable during Sumitomo Mitsui Banking Corporation’s system maintenance times.

ATM Borrowing Procedures

Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
Insert your SMBC Card Loan card into the ATM.
Select the “Withdrawal (Borrowing)” button.
Enter your 4-digit PIN.
Enter the desired borrowing amount.
Confirm the details and receive your cash, card, and transaction receipt.

ATM Repayment Procedures

Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
Insert your SMBC Card Loan card into the ATM.
Select the “Deposit (Repayment)” button.
Enter your 4-digit PIN.
Insert bills for the amount you wish to repay. (Coins are not accepted)
Confirm the details and receive your card and transaction receipt.

Using SMBC Card Loan at Lawson (Lawson Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge. There are no fees for either borrowing or repayment.

Source: Available ATMs for Card Loan : Sumitomo Mitsui Banking Corporation

ATM Availability and Maintenance Information

Lawson Bank ATMs are also operational nearly 24 hours a day, but the service is unavailable during Sumitomo Mitsui Banking Corporation’s maintenance times.

ATM Borrowing Procedures

The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions, starting with “Withdrawal.”

ATM Repayment Procedures

Start the transaction from “Deposit.” Follow the on-screen instructions to insert your card and deposit the repayment amount.

Using SMBC Card Loan at Family Mart (E-net ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge. There are no fees for either borrowing or repayment.

Source: Available ATMs for Card Loan : Sumitomo Mitsui Banking Corporation

ATM Availability and Maintenance Information

E-net ATMs are also available almost 24 hours a day, but the service is also unavailable during Sumitomo Mitsui Banking Corporation’s maintenance hours.

ATM Borrowing Procedures

The operating procedure is largely the same as for other convenience store ATMs. Follow the on-screen instructions to complete the transaction.

ATM Repayment Procedures

Start the process from a menu item like “Deposit” or “Repayment” and follow the instructions to make your deposit.

Using SMBC Card Loan at Ministop (AEON Bank ATM)

You cannot use the SMBC Card Loan at AEON Bank ATMs.

Guide to SMBC Card Loan Repayment: Temporary and Scheduled Repayments at Convenience Store ATMs

Types of Repayment: Scheduled Monthly Repayments and Voluntary Temporary Repayments

The SMBC Card Loan has two types of repayment: “scheduled repayments,” which are made on a set date, and “temporary repayments,” which are additional payments made at any time.

Temporary Repayments (Additional Repayments) at Partner Convenience Store ATMs

Repayments made from a convenience store ATM fall under “temporary repayments.” This is an additional repayment method for paying down the principal ahead of schedule when you have extra funds.

Rules for Temporary Repayment and Minimum Repayment Amount (At least the interest amount)

You can make a temporary repayment of any amount, but be aware that if the deposited amount is less than the accrued interest since the last repayment, the principal will not decrease. To reduce the principal, you must deposit an amount greater than the interest owed.

[Important] Regarding the Carry-over of the Next Scheduled Repayment Date Due to Early Repayment

The most distinctive rule of the SMBC Card Loan is that if you make a repayment (temporary repayment) at an ATM or other means before the scheduled repayment date, the next scheduled repayment date is carried over from that repayment date. For example, if someone whose repayment date is the 25th of every month makes a repayment at an ATM on July 10th, their next repayment date will not be August 25th, but rather the next scheduled payment date calculated from July 10th (in this case, August 25th). While this offers the benefit of flexibly adjusting your repayment date, it is essential to understand this carry-over rule accurately, as it could unintentionally extend your repayment period.

Timing for Credit Line Restoration After ATM Repayment

The amount you repay at an ATM will be added to your available credit as soon as it is reflected in the system. This usually happens immediately after repayment.

Other Repayment Methods: SMBC Direct and Bank Transfer

In addition to convenience store ATMs, repayments can also be made via SMBC Direct (Sumitomo Mitsui Banking Corporation’s internet banking) or by bank transfer to a designated account.

How to Check Your Scheduled Repayment Date (5th, 15th, 25th, or month-end) and Amount

You can choose your scheduled monthly repayment date from the 5th, 15th, 25th, or the last day of the month. You can check your repayment date and monthly scheduled repayment amount on the member-only site.

Source: About Card Loan Repayment : Sumitomo Mitsui Banking Corporation

Important Information and Precautions for Using the SMBC Card Loan at Convenience Store ATMs

How to Check Your Credit Limit and Apply for an Increase

You can check your credit limit, which is the maximum amount you can borrow, on the member-only site or on an ATM transaction receipt. If you wish to increase your limit, you can apply through the member-only site or by calling the Card Loan Plaza. After you apply, a prescribed screening process will be conducted.

Per-Transaction and Daily ATM Limits

In addition to your own credit limit, each ATM has its own per-transaction limit. For example, there may be a restriction, such as being able to withdraw only up to ¥500,000 at a time. If you wish to make a larger transaction, you will need to do so in multiple steps.

Borrowing Interest Rate (Annual Percentage Rate) and How to Calculate Interest

The interest rate for the SMBC Card Loan is set within a range of 1.5% to 14.5% APR, depending on your contract. Interest is calculated on a daily basis using the following formula:
Interest = Outstanding Balance × Annual Percentage Rate ÷ 365 days × Number of Days Used

How to Inquire/Reset Your PIN If You Forget It

A 4-digit PIN is required for ATM use. If you forget it, you will need to contact the Card Loan Plaza by phone to complete the reset procedure. For security reasons, you cannot be told your PIN directly over the phone.

Possible Reasons and Solutions If You Cannot Use Your Card at an ATM

If you are unable to use your card at an ATM, the following reasons are possible:
・You have exceeded your credit limit.
・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 Sumitomo Mitsui Banking Corporation.
・Your payments are overdue.
If the issue is not resolved, please contact the Card Loan Plaza.

Source: Card Loan (SMBC Consumer Finance Guarantee) | Frequently Asked Questions : Sumitomo Mitsui Banking Corporation

Keeping and Checking Your ATM Transaction Receipts

When you use an ATM, a transaction receipt is issued. This contains important records of the transaction, such as the date and time, transaction amount, and post-transaction balance. It is recommended that you check the details for accuracy and keep the receipt for a certain period.

Q&A on SMBC Card Loan Borrowing and Repayment at Convenience Store ATMs

Q1. When and how do I pay the convenience store ATM usage fee?

A1. With the SMBC Card Loan, usage fees for partner convenience store ATMs (Seven Bank, Lawson Bank, and E-net ATMs) are free of charge all day. Therefore, you do not need to pay any fees.

Q2. If I make a temporary repayment at an ATM, what happens to my next scheduled repayment?

A2. Your next scheduled repayment date will be carried over. The next repayment date will be reset based on the date of your ATM repayment. For example, if your scheduled payment date is the 25th of each month and you repay on July 10th, your next due date will become July 25th. While this rule allows you to manage your repayment schedule flexibly, be aware that it can sometimes shorten the interval between payments unintentionally.

Q3. Why can’t I use it at Ministop (AEON Bank ATM)?

A3. This is because Sumitomo Mitsui Banking Corporation does not have a card loan usage partnership with AEON Bank. The use of the SMBC Card Loan is limited to SMBC ATMs and its partner ATMs, such as Seven Bank, Lawson Bank, and E-net ATMs.

Q4. Are the fees and operating hours the same during the New Year’s holidays and public holidays?

A4. The fees are free even during the New Year’s holidays and public holidays. Operating hours also generally follow the calendar, but there may be times when the service is unavailable due to temporary system maintenance. It is recommended to check the official Sumitomo Mitsui Banking Corporation website for announcements before use.

Q5. Where can I check my borrowing and repayment history?

A5. You can check your borrowing and repayment history by logging into the member-only site. You can also check it on the transaction receipts issued when you use an ATM.

Q6. Can I use a convenience store ATM without a card (e.g., with a smartphone app)?

A6. No, you cannot. As of July 2025, the SMBC Card Loan does not support ATM transactions using a smartphone app (Cardless ATM). You must have your physical loan card to make transactions at a convenience store ATM.

Q7. Is it possible to change my monthly scheduled repayment date midway?

A7. Yes, it is possible. You can complete the change procedure on the member-only site or by calling the Card Loan Plaza. However, depending on the timing of the procedure, the change may be reflected from the repayment date two months later.

Q8. Can I cancel a transaction in the middle of an ATM operation?

A8. Yes, you can. Before you confirm the amount and before the cash or receipt is dispensed, you can cancel the transaction by pressing the “Cancel” (とりけし) button on the ATM screen. If you are unsure how to proceed, just press the cancel button.

Last Updated: July 5, 2025