Convenience Store ATM Fees | Explaining Transfer Fees, Time Slot Fees, & Bank-Specific Fees for Seven Bank, Lawson, FamilyMart, and Japan Post Bank

Familiar in our daily lives, convenience store ATMs are very convenient when you need cash or want to make a transfer. However, their use may involve fees, and the fee structure varies depending on the financial institution, time of day, and transaction type. This article provides a detailed explanation of convenience store ATM fees, from how they work to the charges by major banks and convenience store ATM operators, differences based on time and transaction type, and common questions. Please use this as a guide to correctly understand fees and use convenience store ATMs more wisely.

How Convenience Store ATM Fees Work: Why Do Charges Occur and How Are They Determined?

We often pay convenience store ATM fees without much thought, but behind them lie ATM operating costs and agreements between financial institutions. Let’s look at why fees occur and how these charges are determined.

Background of Fee Occurrence: ATM Operating Costs and Financial Institution Partnerships

Convenience store ATM fees are set to cover the various expenses necessary to install, maintain, and operate ATMs. Specifically, these include ATM machine purchase and installation costs, daily cash replenishment and collection, system maintenance and management, security measures, rental fees for installation locations, and communication line costs. These costs form the foundation for making ATMs available 24/7.

Furthermore, instead of developing their own ATM networks nationwide, many financial institutions partner with ATM operating companies like Seven Bank, Lawson Bank, and E-net. This partnership allows financial institutions to offer their customers an extensive ATM network, but it incurs costs such as system connection fees and per-transaction processing fees, which also contribute to the fees.

Main Types of Fees: Usage Fees, After-Hours Fees, and Transfer Fees Explained

The main types of fees incurred at convenience store ATMs are as follows:

• Usage Fee (Handling Fee): This is the basic fee for withdrawing or depositing cash at an ATM.
• After-Hours Fee: This is a surcharge added to the usage fee when using an ATM during specific times designated by the financial institution (e.g., early morning/late night on weekdays, weekends, and holidays).
• Transfer Fee: This fee is incurred when transferring funds to another account using an ATM. It typically varies depending on the recipient’s financial institution (same bank or other bank) and the transfer amount.

These fees may be combined and charged depending on the individual transaction conditions.

Fee Setting Mechanism: Role Sharing Between ATM Installation Companies and User Banks

The final fee charged to convenience store ATM users is determined based on contracts between the company that installs and operates the ATM (e.g., Seven Bank, Lawson Bank, E-net Co., Ltd.) and the financial institution that issued the user’s cash card.

The ATM installation company charges partner financial institutions for the use of the ATM system. In response, each financial institution sets its own fee structure for its customers. This is why fees can differ even when using the same convenience store ATM, depending on which bank’s cash card is used. Additionally, some financial institutions may offer preferential fee systems based on account transaction status or other factors.

【By Major Bank】Check Convenience Store ATM Fee Structures

Convenience store ATM usage fees vary greatly depending on the financial institution that issued your cash card. Here, we introduce the general fee structure trends for several major banks when using convenience store ATMs. Fees are subject to change, so please be sure to check the latest and most accurate information on each financial institution’s official website.

Fees for Using Sumitomo Mitsui Banking Corporation (SMBC) Cash Cards at Convenience Store ATMs

Fees for using SMBC cash cards at convenience store ATMs vary depending on the type of ATM and the time of day.

Charges at Major Partner Convenience Store ATMs (Seven Bank ATM, Lawson Bank ATM, E-net ATM, etc.)

Major partner convenience store ATMs include Seven Bank ATMs, Lawson Bank ATMs, and E-net ATMs (installed in Family Mart, etc.). A prescribed fee is incurred when withdrawing or depositing cash at these ATMs.

Estimated Time-based Fees (Weekday Daytime, Nighttime, Weekends/Holidays) without SMBC Point Pack or Other Preferential Treatment

The general estimated fees when preferential services like SMBC Point Pack are not applied are as follows (charges may vary):

• Weekday Daytime (8:45 AM – 6:00 PM): 220 yen
• Weekday Off-hours (Outside the above) & Saturdays, Sundays, Holidays: 330 yen

Deposits generally incur the same fees as withdrawals.

Source: ATM Fee Information: Sumitomo Mitsui Banking Corporation

Fees for Using Mizuho Bank Cash Cards at Convenience Store ATMs

Mizuho Bank cash cards can also be used at partner convenience store ATMs. Fees vary depending on the time of day and day of the week.

Charges at Major Partner Convenience Store ATMs and Variation by Time Slot

Seven Bank ATMs, Lawson Bank ATMs, and E-net ATMs are available. Fees at these ATMs are set differently for weekday daytime and other times (weekday off-hours, weekends/holidays).

Basic Fees without Mizuho Mileage Club Stage Benefits

The basic estimated fees when Mizuho Mileage Club benefits based on transaction status are not applied are as follows (charges may vary):

• Weekday Daytime (8:45 AM – 6:00 PM): 110 yen
• Weekday Off-hours (Outside the above) & Saturdays, Sundays, Holidays: 220 yen

Deposit fees generally follow the same structure as withdrawals.

Source: Convenience Store ATM Usage Hours and Fees | Mizuho Bank

Convenience Store ATM Fees for Online Banks (e.g., Rakuten Bank, SBI Sumishin Net Bank)

Online banks like Rakuten Bank and SBI Sumishin Net Bank actively partner with convenience store ATMs to enhance customer convenience, as they do not have physical branches.

Partner ATMs and Basic Fees for Representative Online Banks (Paid Tier After Exceeding Free Quota)

Many online banks partner with a wide range of convenience store ATMs, including Seven Bank ATMs, Lawson Bank ATMs, E-net ATMs, and AEON Bank ATMs. A common fee structure is free deposits, free withdrawals up to a few times a month, and a fee of around 220 to 275 yen per transaction after exceeding the free quota.

Relationship Between Each Bank’s Membership Rank/Stage System and Fees (Cases Without Preferential Treatment)

Many online banks have membership rank or stage systems based on deposit balances and service usage. Higher ranks or stages come with benefits such as an increased number of free ATM uses. If these benefits do not apply or the free quota is used up, the bank’s prescribed basic fee will apply.

Fees for Using Japan Post Bank Cash Cards at Convenience Store ATMs

Japan Post Bank cash cards can be used at Japan Post Bank ATMs installed in Family Mart and at partner convenience store ATMs. Fees vary depending on the time of day and day of the week.

Charges at Major Partner Convenience Store ATMs and Variation by Time Slot

Seven Bank ATMs, Lawson Bank ATMs, and E-net ATMs are available. Fees at these ATMs are set differently for weekday daytime and other times (weekday off-hours, weekends/holidays).

Fee Structure at Family Mart (Japan Post Bank ATM)

Cash withdrawals and deposits are possible at Japan Post Bank ATMs (small ATMs) installed in Family Mart. Japan Post Bank ATM usage fees are as follows (charges may vary):

• Weekday Daytime (8:45 AM – 6:00 PM) & Saturday (9:00 AM – 2:00 PM): Free
• Off-hours (Outside the above) & Sundays, Holidays: 110 yen

Source: ATM Usage Fees – Japan Post Bank

General Fee Trends for Using Regional Bank/Credit Union Cash Cards

Cash cards from regional banks and credit unions can also be used at partner convenience store ATMs in some cases.

Fee Levels at Partner Convenience Store ATMs and Points to Check (MICS Connection, etc.)

Many regional banks and credit unions enable transactions at other financial institutions’ ATMs and convenience store ATMs (Seven Bank ATM, Lawson Bank ATM, E-net ATM, etc.) through the MICS (Multi Integrated Cash Service) network, which connects financial institution ATMs nationwide online. Fees are set independently by each financial institution and tend to be higher than using their own ATMs.

Standard Charges When Own Bank’s Preferential Services Do Not Apply

If you do not meet the conditions for preferential services such as a salary transfer account or a certain deposit balance with your bank, the standard fee for using a convenience store ATM is typically around 110 to 220 yen even on weekday daytimes, and around 220 to 330 yen during weekday off-hours or on weekends/holidays. However, fee structures vary greatly by financial institution, so be sure to check the official information of your regional bank or credit union for details.

【By Convenience Store ATM Operator】Fee Structure Features and Confirmation Points

Convenience store ATMs are primarily operated by companies like Seven Bank, Lawson Bank, E-net, and AEON Bank. The fees for using other banks’ cash cards at these ATMs are basically determined by the regulations of the card-issuing financial institution. Here, we explain the fee structures offered by each ATM operating company to its own bank account users and general points to note when using partner financial institutions.

Seven Bank ATM: Fees for Each Partner Financial Institution and Charges for Using a Seven Bank Account

Seven Bank ATMs, mainly installed in Seven-Eleven stores nationwide, are partnered with a very large number of financial institutions.

• When using a partner financial institution’s card: Fees follow the regulations of the financial institution that issued the cash card. Please check the fee displayed on the ATM screen.
• When using a Seven Bank account: When using a Seven Bank cash card, cash withdrawal fees during daytime hours (e.g., 7:00 AM – 7:00 PM) are free. A fee of 110 yen applies at other times. Deposit fees are free (as of June 2025).

Source: Fee List | Seven Bank

Lawson Bank ATM: Fees for Each Partner Financial Institution and Charges for Using a Lawson Bank Account

Lawson Bank ATMs, mainly installed in Lawson stores, are also partnered with many financial institutions.

• When using a partner financial institution’s card: Fees follow the regulations of the financial institution that issued the cash card. Check the fee on the ATM screen before use.
• When using a Lawson Bank account: With a Lawson Bank cash card, cash withdrawal and deposit fees during daytime hours (e.g., 7:00 AM – 7:00 PM) are free. A fee of 110 yen applies at other times (as of June 2025).

Source: Fee List (Lawson Bank Account – Personal Customers) | Lawson Bank

E-net ATM (Installed in Family Mart, etc.): Overview of Broad Partner Financial Institutions and Fee Setting

E-net ATMs are installed in convenience stores such as Family Mart, Daily Yamazaki, and Poplar, as well as some supermarkets and railway stations. A key feature is their partnership with a very large number of financial institutions, including city banks, regional banks, credit unions, and online banks.

• When using a partner financial institution’s card: Fees are determined by the regulations of the financial institution that issued the cash card. Always check the fee displayed on the ATM screen before starting a transaction. E-net itself does not set fees directly; rather, the fees set by the partner financial institution are displayed.

AEON Bank ATM (Installed in Ministop, etc.): Fees for Each Partner Financial Institution and Charges for Using an AEON Bank Account

AEON Bank ATMs are mainly installed in Ministop convenience stores and AEON Group shopping centers.

• When using a partner financial institution’s card: Fees follow the regulations of the financial institution that issued the cash card. It is important to check the fee display before the transaction.
• When using an AEON Bank account: When using an AEON Bank cash card, cash withdrawal and deposit fees at AEON Bank ATMs are generally free 24/7. However, when using some partner financial institution ATMs (ATMs other than AEON Bank ATMs), prescribed fees may apply.

Source: ATM Service | AEON Bank

How Much Fees Change by Time Slot! Explanation of Convenience Store ATM Fee Patterns

Convenience store ATM usage fees can vary significantly depending on the time of use. Here, we explain common fee patterns by time slot. Specific time divisions and charges differ by financial institution, so please use this as a general guide.

“Weekday Daytime (e.g., 8:45 AM – 6:00 PM)” Fees: The Cheapest or Free Rate Tier for Many Banks

Many financial institutions set their lowest ATM usage fees for weekday daytime hours (generally from around 8:45 AM to 6:00 PM) or make them free if certain conditions are met (such as using their own card). This time slot often coincides with bank branch operating hours, so the fee burden tends to be lighter for users.

“Weekday Off-hours (Early Morning/Nighttime)” Fees: When Does the Surcharge Apply? Specific Fee Examples (e.g., 110 yen, 220 yen)

Even on weekdays, using a convenience store ATM during early morning (e.g., before 8:45 AM) or nighttime (e.g., after 6:00 PM) typically incurs an after-hours fee. This surcharge varies by financial institution but often adds 110 yen or 220 yen. You need to check your financial institution’s regulations for the specific times when after-hours fees apply.

“Saturday, Sunday, Holiday” Fees: Usually Charged/Surcharged All Day? Specific Fee Examples

When using a convenience store ATM on Saturdays, Sundays, or holidays, most financial institutions charge a fee equivalent to weekday off-hours fees (e.g., 110 yen, 220 yen, or even 330 yen depending on the institution) throughout the day. Free or discounted rate tiers like those on weekday daytimes are often not available. However, some financial institutions, such as online banks, may offer services like a certain number of free uses per month regardless of the day.

Fees During Long Holidays like Year-End/New Year and Golden Week: Precautions and Confirmation Methods for Different Scenarios

During long holiday periods such as the year-end/New Year holidays (usually December 31st to January 3rd) and Golden Week, many days are treated as public holidays on the calendar, so the same fee structure as weekends and holidays generally applies. Some financial institutions may shorten ATM operating hours or perform system maintenance during these periods. If you plan to use an ATM during a long holiday, it is advisable to check your financial institution’s website beforehand for not only the fees but also the ATM operating status.

【By Transaction】Typical Fee Rates for Convenience Store ATMs

In addition to cash withdrawals and deposits, convenience store ATMs allow for transactions such as transfers. Here, we explain the general fee rates for major transaction types.

Cash Withdrawal: Basic Fees and General Fee Tiers by Bank and Time Slot

Cash withdrawal is one of the most frequently used transactions at convenience store ATMs. Fees vary greatly depending on the financial institution of the cash card, the type of convenience store ATM used (Seven Bank ATM, Lawson Bank ATM, E-net ATM, etc.), the day of the week, and the time of day. Without preferential fee services, the general fee tiers are as follows:

• Weekday Daytime: Around Free – 220 yen
• Weekday Off-hours & Weekends/Holidays: Around 110 yen – 330 yen

Cash Deposit: Difference from Withdrawal Fees? General Fee Tiers

Cash deposit fees are often set at the same amount or follow a similar structure as cash withdrawal fees by many financial institutions. However, some financial institutions, such as online banks, may offer free deposit fees at partner ATMs. Fee tiers are generally similar to withdrawals, ranging from free to around 330 yen.

Transfer: Breakdown and Total Cost of Fees for Transfers from Convenience Store ATMs

When making a transfer from a convenience store ATM, a “transfer fee” and, in some cases, a separate “ATM usage fee” will be incurred. The sum of these will be the total fee you actually pay.

About Combining Transfer Fees (By Recipient Financial Institution/Transfer Amount) and ATM Usage Fees

When making a transfer, a “transfer fee” based on the recipient’s financial institution and the transfer amount is first applied. In addition to this, an “ATM usage fee (including after-hours fees, etc.)” for using the convenience store ATM may be required separately. Some financial institutions may include the ATM usage fee in the transfer fee (or waive the ATM usage fee for transfers), so it is important to check the breakdown on the pre-transaction confirmation screen or the transaction receipt.

Difference in Transfer Fees Based on Recipient Financial Institution (Same Bank as User vs. Other Bank)

Transfer fees vary significantly depending on whether the recipient account is with the same financial institution as the card issuer (same bank) or a different financial institution (other bank). Generally, transfer fees to the same bank are free or relatively inexpensive (e.g., around 0 – 220 yen), while transfer fees to other banks tend to be higher (e.g., around 220 – 660 yen, and can be even more depending on the financial institution and ATM).

Variation in Transfer Fees Based on Transfer Amount (e.g., Less than 30,000 yen / 30,000 yen or more)

Many financial institutions also vary transfer fees based on the transfer amount. Commonly, distinctions are made such as “less than 30,000 yen” and “30,000 yen or more,” with fees for transfers of 30,000 yen or more being set higher. Some financial institutions may have even more detailed amount categories.

Balance Inquiry: Is it Generally Free? Cases Where Fees Apply and How to Check

Balance inquiries at convenience store ATMs are generally free of charge at most financial institutions. However, in very rare cases, a fee might be incurred under specific partnership agreements or special conditions. Usually, information regarding fees is displayed on the ATM’s operation screen or stated in the financial institution’s terms of service. If unsure, it is best to check with the financial institution before use.

Coin Deposits/Withdrawals: Handling Status and Fees at Convenience Store ATMs (Generally Not Possible)

In principle, convenience store ATMs do not handle coin deposits or withdrawals. This is generally due to the internal structure of ATMs, risk of malfunction, and management efficiency, leading to banknote-only handling. If transactions involving coins are necessary, you will need to use a financial institution’s counter or an ATM installed by a financial institution that has coin handling capabilities.

Q&A on Convenience Store ATM Fees: Questions You Should Know

Here are answers to common questions many people have regarding convenience store ATM fees.

Q1. Do ATM usage fees change depending on the amount withdrawn or deposited?

A1. Generally, the “usage fee (handling fee)” itself for cash withdrawals or deposits at convenience store ATMs does not vary with the transaction amount. It is mostly a fixed fee per transaction. However, for transfer transactions, as mentioned earlier, the “transfer fee” may vary depending on the transfer amount.

Q2. Can I check the specific amount and breakdown of fees on the transaction slip (receipt)?

A2. Yes, you can. When you conduct a transaction at a convenience store ATM, the issued transaction slip (receipt) usually lists the transaction details along with the amount of any fees incurred. For transfers, whether the transfer fee and ATM usage fee are listed separately or combined depends on the financial institution and ATM, but the fee amount will be indicated in some form.

Q3. I want to know how to minimize fees or make them free.

A3. There are several ways to reduce or eliminate convenience store ATM fees. For example, meeting the conditions of your financial institution’s fee waiver program (specific deposit balance, designated salary transfer account, credit card usage, etc.), choosing times or days when fees are free, or using a financial institution like an online bank that offers a high number of free ATM uses. For specific methods, please refer to other specialized articles or your financial institution’s information.

Q4. In the case of smartphone ATM transactions (cardless transactions), are the fees different from when using a cash card?

A4. Fees for cardless ATM transactions using a smartphone app generally follow the same fee structure as when using a cash card. This means it’s not common for fees to be specially lower or higher just because it’s cardless. However, some financial institutions might temporarily offer preferential fees through campaigns specific to cardless transactions, so please check with your financial institution for details.

Q5. What are the fees for using debit cards or prepaid cards at ATMs (for charging/withdrawal)?

A5. When using a debit card to withdraw cash from a deposit account at a convenience store ATM, the fee structure is basically the same as for a cash card. For prepaid cards, only a limited number of cards support ATM charging (depositing) or withdrawal (cashing out), and even if they do, a fee prescribed by the issuing company usually applies. Fees vary greatly depending on the card type and issuer, so check the terms and conditions or website for each card.

Q6. When using a corporate cash card at a convenience store ATM, is the fee structure different from that for personal accounts?

A6. When using a corporate cash card at a convenience store ATM, a different fee structure from personal accounts generally applies. Many financial institutions set separate fees for corporate services, and convenience store ATM usage fees tend to be higher. Additionally, the available ATMs or transaction types may be restricted, so it is important to check with your financial institution beforehand.

Q7. What are the fees for withdrawing Japanese yen from Japanese convenience store ATMs using cash cards or credit cards issued overseas?

A7. It is possible to withdraw Japanese yen from Japanese convenience store ATMs (mainly Seven Bank ATMs, Japan Post Bank ATMs, and AEON Bank ATMs are compatible) using cash cards (international cash cards) or credit cards issued overseas. In this case, in addition to the ATM usage fee set by the ATM operating institution (like Seven Bank), overseas ATM usage fees and currency exchange fees set by the card issuer will also be incurred. The fee structure varies depending on the card issuer and the ATM used, so please refer to relevant specialized articles or the card issuer’s information for details.

Q8. If the fee is not clearly indicated on the ATM screen (or is hard to find), how can I check it beforehand?

A8. In principle, if a transaction incurs a fee, the fee amount should be displayed on the final confirmation screen. If you find it difficult to see the fee on the screen or feel it’s not clearly indicated, it’s best to interrupt the transaction and check the fee regulations on the website of the financial institution that issued your cash card, or contact their call center. Also, some ATMs may have a “Fee Information” menu available before starting a transaction.

Q9. Can I withdraw cash from a convenience store ATM that my bank is not partnered with? Will the fee be higher in that case?

A9. Even if your bank is not directly partnered with a convenience store ATM, you may still be able to withdraw cash if that ATM is connected to a nationwide ATM network like MICS. However, the fee in this case is generally higher than using an ATM with which your bank has a direct partnership. Also, transactions like deposits and transfers are often not possible. The surest way is to use a convenience store ATM that your bank is partnered with.

Q10. I was charged a fee even though I met the conditions for it to be free. Who should I contact?

A10. If you were charged a fee despite meeting the conditions for it to be free (e.g., a specific membership stage or during a campaign period), first contact the call center or a branch of the financial institution that issued your cash card. Explain the date and time of the transaction, the location of the ATM used, and the specific situation, and request a check. It will be helpful to have the transaction slip on hand if you have it.