Explaining Seven Eleven (Seven Bank) ATM Fees, Transfers, Operating Hours, and Limits

Seven Bank ATMs, primarily installed in Seven Eleven stores nationwide, are an indispensable part of our financial infrastructure. They offer a variety of services, including deposits and withdrawals, as well as transfers and various procedures. This article provides a detailed explanation of the fee structure, transfer methods, operating hours, various limits, usable cards, convenient features, and important points and frequently asked questions to know when using Seven Eleven (Seven Bank) ATMs.

Basic Information and Main Features of Seven Eleven (Seven Bank) ATMs

First, let’s understand what kind of ATM Seven Bank ATM is, along with its basic information and features.

Seven Bank ATM Network Expanding to Seven Eleven Stores and Other Locations Nationwide

As the name suggests, Seven Bank ATMs are mainly installed inside Seven Eleven stores nationwide. In addition to this, they are also being installed in locations other than Seven Eleven, such as train stations, airports, commercial facilities, and office buildings, forming an extensive network. This ease of access is one of the reasons why many people use them.

Overview of Services Provided by Seven Bank ATMs (Deposits, Withdrawals, Transfers, Others)

The following main financial services can be used at Seven Bank ATMs:

• Deposits (Crediting): You can deposit cash into your account.
• Withdrawals (Debiting): You can withdraw cash from your account.
• Transfers: You can transfer funds to accounts at other financial institutions or Seven Bank accounts.
• Balance Inquiries: You can check your account balance.
• Others: They offer a wide range of services, including credit card cash advances, charging electronic money, withdrawing Japanese yen using cards issued overseas, and overseas remittance receiving services.

Distinctive Features of Seven Bank ATMs Compared to Other Convenience Store ATMs (e.g., Smartphone ATM, Enhanced Support for Cards Issued Overseas)

Seven Bank ATMs have several distinctive features compared to other convenience store ATMs.

• Smartphone ATM (Cardless Transactions): If you have a Seven Bank account, you can use a dedicated app to perform ATM transactions (deposits, withdrawals, loan borrowing/repayment) without a cash card.
• Support for Cards Issued Overseas: They support withdrawals of Japanese yen using credit cards and cash cards from many international brands, making them highly convenient for tourists and residents from overseas.
• Multilingual Support: The ATM operation screen supports Japanese, as well as English, Chinese (Simplified and Traditional), Korean, Thai, Malay, Indonesian, Vietnamese, French, German, Portuguese, and Spanish, catering to a wide range of users.
• Unique Partner Services: They also offer unique services such as corporate refund services through the My Seven Bank app and accepting donations at ATMs.

About Seven Eleven (Seven Bank) ATM Usage Fees

Fees for using Seven Bank ATMs vary depending on the type of account used (Seven Bank account or an account with a partner financial institution), the transaction details, and the time of day.

Fees When Using a Seven Bank Account

The fees for using a Seven Bank ATM with a Seven Bank cash card are as follows (as of June 2025).

Cash Deposit/Withdrawal Fees (Time-based Fee Structure for Weekdays, Weekends, and Holidays)

Time Slot	Fee
7:00 AM – 7:00 PM	Free
Other times	110 yen

※The above applies to both deposits and withdrawals.
※Fees may differ for some partner services (loans, etc.).

Transfer Fees (Fees for Transfers to Seven Bank and Other Banks)

• To Seven Bank: 55 yen
• To Other Banks: 165 yen

※Flat rate regardless of the transfer amount.

Source: Fee List | Seven Bank

ATM Fees When Using a Cash Card from a Partner Financial Institution

Seven Bank ATMs are partnered with a very large number of financial institutions, including city banks, regional banks, online banks, and credit unions. The fees for transactions at Seven Bank ATMs using cash cards from these partner financial institutions are not determined by Seven Bank, but by the regulations of each financial institution that issued the cash card.

Therefore, even when using the same Seven Bank ATM, the fee may be free or charged, and the amount will also differ depending on which bank’s cash card is used.

ATM Fees for Partner Financial Institutions

Many financial institutions offer preferential fee conditions, such as designating a salary transfer account, maintaining a certain deposit balance, or using specific services. Please check the website or contact your financial institution for these conditions and specific fees.

ATM Usage Fees for Credit Card Cash Advances

When using the cash advance feature of a credit card at a Seven Bank ATM, an ATM usage fee determined by the credit card company may be incurred. Generally, a fee of 110 yen is often charged for transactions of 10,000 yen or less, and 220 yen for transactions exceeding 10,000 yen, but this also varies depending on the card company and contract details. Please check with your credit card company for details.

Source: Credit Card ATM Service | Seven Bank

How to Make Transfers and Important Points When Using Seven Eleven (Seven Bank) ATMs

Transfers from Seven Bank ATMs can be easily made using a cash card.

Types of Transferable Transactions (Availability and Conditions for Cash Card Transfers, Cash Transfers ※Seven Bank Account)

• Cash Card Transfers: Transfers can be made using a Seven Bank cash card.
• Cash Transfers: Seven Bank ATMs do not handle cash transfers. A cash card is always required to make a transfer. If you do not have a Seven Bank account and wish to make a transfer, you will first need to open a Seven Bank account or consider other transfer methods.

How to Enter Recipient Account Information and Confirmation Procedure

Follow the instructions on the ATM screen and enter the following information:

1. Recipient financial institution name (bank name, credit union name, etc.)
2. Branch name
3. Account type (ordinary, current, etc.)
4. Account number
5. Transfer amount
6. Sender’s name (usually the cash card holder’s name)

After entering the information, the recipient’s account name will be displayed on the screen, so be sure to check that it is correct.

Basic Flow of Transfer Operation on the ATM Screen

1. Select “Transfer” on the ATM’s initial screen.
2. Insert your cash card and enter your PIN.
3. Enter the recipient’s financial institution, branch, account number, transfer amount, etc., following the on-screen instructions.
4. Finally, confirm the transfer details (recipient account name, transfer amount, fees, etc.).
5. After confirmation, press the execute button to process the transfer.
6. Receive the transaction receipt.

Transfer Reception Hours and Timing of Deposit Reflection in Recipient Account

• Reception Hours: As long as the Seven Bank ATM is operational, transfer procedures are generally available 24 hours a day, 365 days a year (excluding system maintenance periods).
• Deposit Reflection Timing:
  • To Seven Bank: Deposits are generally reflected immediately.
  • To Other Banks: Deposits are generally reflected immediately.

Seven Eleven (Seven Bank) ATM Operating Hours and Available Times

Seven Bank ATMs are used by many people due to their high convenience.

ATM Service Available in Principle 24 Hours a Day, 365 Days a Year

Seven Bank ATMs are, in principle, available 24 hours a day, 365 days a year, as long as the Seven Eleven store or other location where they are installed is open. This allows for responses to sudden cash needs or transfers even late at night, early in the morning, or on holidays.

Service Suspension Times Due to System Maintenance and How to Check Them

There are times when ATM services are temporarily unavailable because Seven Bank itself is undergoing system maintenance. Information about these maintenance periods is announced in advance on the Seven Bank official website or on the ATM screen. This often occurs from late night to early morning, so if you plan to use the ATM during these hours, it is recommended to check in advance.

Source: Important Notices | Seven Bank

Regarding the Operating Hours of Seven Eleven Stores Themselves and ATM Availability

Since Seven Bank ATMs are often installed inside Seven Eleven stores, if the store is not open 24 hours (e.g., stores in train stations or office buildings with limited operating hours), ATM use will also be subject to the store’s operating hours.

Various Transaction Limits for Seven Eleven (Seven Bank) ATMs

For safe transactions, Seven Bank ATMs have limits set for various transactions.

Setting Cash Withdrawal Limits

Initial Default Limit for Seven Bank Accounts and Change Procedure

The daily withdrawal limit for Seven Bank account cash cards is initially set at 500,000 yen (for IC cards). This limit can be lowered through Seven Bank’s Direct Banking service or at an ATM. Raising the limit may require a written procedure.

Limits for Partner Financial Institution Cards (Based on the Issuing Financial Institution’s Regulations)

When using a cash card from a partner financial institution, the withdrawal limit is based on the regulations of the financial institution that issued the cash card, not Seven Bank. Also, some financial institutions may set separate limits for their own ATMs and partner ATMs.

Cash Deposit Limits (Maximum Number of Banknotes/Amount per Transaction, etc.)

The deposit limit per transaction at a Seven Bank ATM is generally up to 50 banknotes or an amount of up to 500,000 yen. If you need to deposit an amount exceeding this, you will need to perform the operation in multiple transactions.

Transfer Limits (Per Transaction/Per Day)

Transfer Limit from Seven Bank Account and Change Procedure

The daily transfer limit from a Seven Bank account is initially set at 2,000,000 yen. This limit can also be changed (lowered or raised) through the Direct Banking service or at an ATM.

Transfer Limits When Using a Partner Financial Institution Card

When using a cash card from a partner financial institution, the transfer limit follows the regulations of the card-issuing financial institution.

Cards Usable at Seven Eleven (Seven Bank) ATMs and Convenient Features

Seven Bank ATMs support a variety of cards and offer convenient features.

Usable Cash Cards/Loan Cards

Cards Issued by Seven Bank

Seven Bank cash cards, as well as loan service cards, can be used.

Cards Issued by Major Partner Financial Institutions (City Banks, Regional Banks, Online Banks, Credit Unions, etc.)

Cash cards from a very large number of financial institutions can be used, including city banks like MUFG Bank, Sumitomo Mitsui Banking Corporation, and Mizuho Bank; regional banks nationwide; online banks like Rakuten Bank and SBI Sumishin Net Bank; Japan Post Bank; credit unions; labor banks; and JA Bank.

Supported International Brands for Credit Card Cash Advances

Cash advances are possible with major international brand credit cards such as VISA, Mastercard, JCB, American Express, and Diners Club.

Smartphone ATM (Cardless Transactions): Compatible Apps and Usage Procedure

If you have a Seven Bank account, you can use the “My Seven Bank” app to deposit/withdraw cash and borrow/repay card loans from an ATM using only your smartphone without a cash card. Operate the ATM by following the on-screen instructions in the app.

Japanese Yen Withdrawal Service with Cards Issued Overseas and Supported Brands

You can withdraw Japanese yen using cash cards issued overseas that support international networks such as Cirrus, PLUS, and UnionPay, or credit/debit cards with international brands like VISA, Mastercard, and JCB.

Cash Charging Function for Electronic Money such as nanaco

Cash charging is possible for some electronic money, including “nanaco,” the Seven & i Group’s electronic money, as well as transportation IC cards (Suica, PASMO, etc.) and Rakuten Edy.

Other Provided Services (Overseas Remittance Receiving, Corporate Refunds, Donations, etc.)

• Overseas Remittance Receiving: They partner with Western Union to provide a service where you can receive remittances from overseas at Seven Bank ATMs.
• Corporate Refunds: There is a service where you can receive various refunds from companies at ATMs using the My Seven Bank app.
• Donations: You can easily make donations to various organizations from the ATM screen.

General Precautions and Troubleshooting When Using Seven Eleven (Seven Bank) ATMs

To use ATMs safely, let’s learn about some precautions and how to deal with troubles.

PIN Management and Security Recommendations

• Manage your PIN strictly so that it is not known to others.
• Avoid using easily guessable numbers such as your date of birth or phone number.
• When operating an ATM, be careful to cover the PIN entry screen with your hand so that it cannot be seen by others.
• It is also effective to check the surroundings of the ATM for any suspicious devices.

Importance and Storage of Transaction Receipts

Always receive the transaction receipt after a transaction and check its contents. Since the transaction receipt serves as proof of the transaction, it is recommended to keep it for a certain period. If it is no longer needed, dispose of it properly, such as by shredding it, to prevent personal information leakage.

Checkpoints to Prevent Forgetting Cards or Cash

After completing a transaction, make it a habit to reconfirm the ATM’s dispensing slot to ensure you have received your cash card, cash, and transaction receipt. Be especially careful when conducting consecutive transactions.

Contact Information in Case of Trouble During ATM Operation (Card Read Error, Cash Jam, etc.)

In the unlikely event of trouble during ATM operation, such as the card not being read, cash getting jammed, or the card being swallowed, please use the intercom equipped at the ATM to contact them or call the Seven Bank call center displayed on the ATM screen. Do not try to deal with it yourself; seek instructions from a professional operator.

Frequently Asked Questions (Q&A) Regarding the Use of Seven Eleven (Seven Bank) ATMs

We will answer common questions regarding the use of Seven Bank ATMs.

Q1. Can I deposit or withdraw coins at Seven Bank ATMs?

A1. No, Seven Bank ATMs do not handle coin deposits or withdrawals. Only banknotes are handled.

Q2. Can I perform transactions using a passbook at Seven Bank ATMs?

A2. No, you cannot perform transactions such as passbook updates or deposits/withdrawals using a passbook at Seven Bank ATMs. A cash card is required for transactions.

Q3. If I make a mistake in the recipient information during a transfer operation, can I cancel it at the ATM?

A3. After completing the transfer operation at the ATM (after pressing the execute button), cancellation at the ATM is generally not possible. If you make a mistake in the recipient’s financial institution or account number, promptly contact the remitting financial institution (Seven Bank if the transfer was from a Seven Bank account, or the respective financial institution if using a partner financial institution card) and consult about procedures such as a recall (request for return of transferred funds). A fee may be charged for a recall.

Q4. How can I check my transaction history at Seven Bank ATMs (for Seven Bank accounts)?

A4. You can check the transaction history for your Seven Bank account through Seven Bank’s Direct Banking service (internet banking) or the My Seven Bank app. You can also check it on the transaction report mailed periodically (by application). At the ATM, you may be able to inquire about a part of your recent transaction history.

Q5. My Seven Bank cash card has stopped working at the ATM. What should I do?

A5. Possible reasons why your cash card may not be working include magnetic stripe failure, IC chip damage, incorrect PIN/lock, or expiration (for some cards like debit-enabled cash cards). Please contact the Seven Bank call center, explain the situation, and follow their instructions. Card replacement may be necessary.

Q6. Can I change the language of the Seven Bank ATM operation screen to something other than Japanese?

A6. Yes, you can. Seven Bank ATMs support multiple languages, and you can select and operate in several languages besides Japanese, such as English, Chinese, and Korean. A language selection button is displayed on the initial screen.

Q7. Are the services offered at Seven Bank ATMs located outside of Seven Eleven stores the same?

A7. The basic service content (deposits, withdrawals, transfers, etc.) and fee structure (when using a Seven Bank account) are common for Seven Bank ATMs both inside and outside Seven Eleven stores. However, depending on the installation location, the ATM model may differ, there may be differences in some ancillary services (e.g., availability of charging specific electronic money), or operating hours may vary.