Explaining Ministop (AEON Bank) ATM Fees, Transfers, Operating Hours, and Limits

ATMs installed in Ministop stores are a convenient asset supporting everyday financial transactions. Ministop’s ATMs are “AEON Bank ATMs,” which can be used not only by those with an AEON Bank account but also with cards from many affiliated financial institutions. This article provides a comprehensive explanation, covering everything from basic information about Ministop ATMs, fees, transfer methods, operating hours, various limits, to unique functions like WAON charging.

Basic Information about Ministop ATMs: AEON Bank ATMs Usable Nationwide

The ATMs installed in Ministop are operated by AEON Bank, Ltd. Therefore, a major feature is that they provide highly convenient functions based on AEON Bank’s services.

AEON Bank ATM Network Installed in Ministop Stores Nationwide

AEON Bank ATMs are installed in Ministop stores nationwide. In addition to Ministop, they are widely deployed in various AEON Group stores such as AEON, MaxValu, and The Big, with approximately 6,800 units installed in Japan. This creates a financial infrastructure that is easily accessible in various life scenes, such as while shopping or on the way to and from work or school.

Main Services of Ministop ATMs (Deposits, Withdrawals, Transfers, WAON Charging)

The following main services are available at AEON Bank ATMs in Ministop:

Deposits: Cash (banknotes only) deposits.
Withdrawals: Cash (banknotes only) withdrawals using a cash card.
Transfers: Transfers using a cash card.
Balance Inquiry: Checking account balance.
Charging to e-money WAON: Charging from cash or AEON cards, auto-charge settings, etc.
Credit Card Cash Advances: Use of services from affiliated credit card companies.
Card Loan Transactions: Card loan transactions from affiliated financial institutions.

Features of Ministop ATMs: Preferential Fees for AEON Bank Cards and a Wide Range of Affiliated Financial Institutions

A major feature of Ministop ATMs is the generous preferential treatment for AEON Bank users and the high convenience due to partnerships with many financial institutions.

Benefits for Holders of AEON Bank Cash Cards

If you have an AEON Bank cash card (including AEON Card Select), you can use the AEON Bank ATMs at Ministop for deposits and withdrawals 24 hours a day, 365 days a year, free of charge. This is a very significant advantage not found at other convenience store ATMs. Additionally, transfer fees to AEON Bank are also free.

Use Cases for Various Affiliated Financial Institution Cards

AEON Bank ATMs are affiliated with numerous financial institutions, including city banks, regional banks, and Japan Post Bank. This allows you to make deposits, withdrawals, and transfers with your usual bank’s cash card, even if you don’t have an AEON Bank account. In particular, some affiliated financial institutions may allow free use during specific times, such as during the day on weekdays.

Ministop ATM Usage Fees: For AEON Bank Cards and Affiliated Cards

Ministop ATM usage fees vary depending on the type of card used, the transaction details, and the time of day.

Fees When Using an AEON Bank Cash Card

The fees when using an AEON Bank cash card, or an AEON Card Select with cash card functionality, are as follows:

Cash Deposit/Withdrawal Fees (Time-Specific Rates for Weekdays, Weekends & Holidays)

Deposits/Withdrawals: Free at all times, on all days (24/7/365, 0 yen)

Transfer Fees (Rates for transfers to AEON Bank and other banks)

To AEON Bank: Free
To other financial institutions: 132 yen (tax included)

*Due to AEON Bank MyStage benefits, transfer fees to other banks may be free up to 5 times per month.
*Cash transfers are possible at some ATMs. Please check the AEON Bank website for fees.

Source: ATM Services | AEON Bank

ATM Fees When Using Cash Cards from Affiliated Financial Institutions

When using a cash card from an affiliated financial institution at an AEON Bank ATM, the fees are determined by the regulations of the financial institution that issued the cash card, not AEON Bank.

The specific fee amounts (for deposits, withdrawals, transfers) and the number of free uses are determined by your financial institution. For example, cards from Mizuho Bank, MUFG Bank, and Japan Post Bank may allow free withdrawals during the day on weekdays. For details, please check the website of the financial institution that issued your cash card.

ATM Fees of Affiliated Financial Institutions

Check ATM fees for partner financial institutions

Many financial institutions offer services that provide preferential treatment on affiliated ATM usage fees based on conditions such as designating a salary transfer account or deposit balance. Since these benefits may also apply when using AEON Bank ATMs at Ministop, it is recommended to check the conditions of each financial institution.

ATM Usage Fees for Credit Card Cash Advances

When using a credit card’s cash advance service, an ATM usage fee set by the card issuer may be charged. Generally, it is 110 yen (tax included) for borrowed amounts of 10,000 yen or less, and 220 yen (tax included) for amounts over 10,000 yen. This fee is charged separately from the cash advance interest.

How to Make Transfers at Ministop ATMs and Important Points to Note

At Ministop’s AEON Bank ATMs, you can perform transfer procedures using a cash card.

Available Transactions for Transfers: Basically Transfers via Cash Card

Transfers are made from an account using a cash card. In addition to AEON Bank cash cards, transfers can also be made with cash cards from affiliated financial institutions.

Transfer Procedure Using an AEON Bank Cash Card

Using an AEON Bank cash card, you can transfer money from your AEON Bank account to another account. Select “Transfer” on the ATM screen and follow the on-screen instructions to enter the payee information.

Transfer Procedure Using an Affiliated Financial Institution Cash Card

You can transfer money from your account at an affiliated financial institution using that institution’s cash card. The operation method is almost the same as for an AEON Bank card, but the fees depend on the regulations of the card-issuing financial institution.

Steps for Entering and Confirming Payee Account Information

Accurate payee information (financial institution name, branch name, account type, account number, payee name) is required for transfer procedures. To prevent input errors, it is smooth to prepare a memo in advance. After entering, be sure to re-check the details on the confirmation screen.

General Flow of Transfer Operations on the ATM Screen

Select “Transfer” on the ATM screen.
Insert your cash card and enter your PIN.
Enter the payee’s financial institution, branch name, account type, account number, and transfer amount.
Confirm/enter the remitter’s name and contact phone number.
Check all items on the final confirmation screen, and if there are no problems, press the “Confirm” button to execute the transfer.
A transaction receipt will be issued. Be sure to take it and keep it.

Transfer Acceptance Hours and Timing of Deposit Reflection to Payee Account

Transfers from AEON Bank ATMs are, in principle, accepted whenever the ATM is operational. Since AEON Bank and many other financial institutions support the More Time System, funds are almost always deposited instantly even on weekday nights or weekends/holidays, as long as the payee’s financial institution is compatible. However, depending on the payee’s situation or system maintenance times, the deposit may be made on the next business day.

Ministop ATM Operating Hours and Availability

A major attraction of Ministop ATMs is that they can be used for long hours, in line with the store’s operating hours.

Generally Available 24 Hours, Following Ministop’s Operating Hours

Since many Ministop stores are open 24 hours, the AEON Bank ATMs installed there are also, in principle, available 24 hours a day, 365 days a year. This allows you to perform financial transactions when needed, without worrying about the time.

Service Suspension Times Due to System Maintenance (AEON Bank, Affiliated Financial Institutions) and How to Check

AEON Bank System Maintenance: All services are suspended for regular maintenance from 2:00 AM to 7:00 AM on the second Monday of every month. Additional temporary maintenance may also be performed.
Affiliated Financial Institution System Maintenance: During maintenance periods by your financial institution, that institution’s card cannot be used.
How to Check: Maintenance information is announced in advance on the official websites of AEON Bank and each affiliated financial institution.

Source: AEON Bank

Relationship Between Store Operating Hours and ATM Operating Hours

The available hours for ATMs follow the operating hours of the Ministop store where they are installed. For stores that are not open 24 hours, the ATM will also become unavailable when the store closes, so please be aware.

Transaction Limits at Ministop ATMs

For secure transactions, AEON Bank ATMs at Ministop have set limits for various transactions.

Cash Withdrawal Limits (Per Transaction and Per Day)

Withdrawal Limits and Change Procedures When Using an AEON Bank Card

The initial default daily withdrawal limit for an AEON Bank cash card is 500,000 yen. This limit can be changed within the range of 0 yen to 2,000,000 yen at AEON Bank branches or through internet banking.

Limits When Using Affiliated Financial Institution Cards (Subject to Issuing Financial Institution’s Regulations)

When using a cash card from an affiliated financial institution, the withdrawal limit is based on the regulations of the card-issuing financial institution and any limits individually set by the customer.

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

Up to 200 banknotes can be deposited in a single transaction, for an amount up to 999,000 yen. Coins are not handled.

Transfer Limit Settings (Per Transaction and Per Day)

Transfer Limits and Change Procedures When Using an AEON Bank Card

The initial default daily transfer limit for an AEON Bank cash card is 500,000 yen. This limit can be changed at AEON Bank branches or through internet banking.

Transfer Limits When Using Affiliated Financial Institution Cards (Subject to Issuing Financial Institution’s Regulations)

The transfer limit when using a cash card from an affiliated financial institution is based on the regulations of the card-issuing financial institution and any limits individually set by the customer.

Cards Usable at Ministop ATMs and Convenient Unique Functions

Ministop’s AEON Bank ATMs are rich with convenient and unique functions not found at other convenience store ATMs, such as WAON charging.

Types of Usable Cash Cards and Loan Cards

Cash Cards Issued by AEON Bank, AEON Card Select, etc.

In addition to cash cards issued by AEON Bank, “AEON Card Select,” which integrates cash card, credit card, and e-money WAON functions, can also be used.

Cards from Major Financial Institutions Affiliated with AEON Bank (City Banks, Regional Banks, Japan Post Bank, Online Banks, etc.)

Cards from numerous financial institutions can be used, including city banks such as Mizuho Bank, MUFG Bank, Sumitomo Mitsui Banking Corporation, and Resona Bank; regional banks nationwide; shinkin banks; credit cooperatives; labor banks; Japan Post Bank; and online banks.

International Brands Compatible with Credit Card Cash Advances

Cash advances are possible with credit cards from major international brands such as VISA, Mastercard, and JCB.

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E-money WAON Charging Function (Cash Charge, Auto-Charge Setting)

A major feature of Ministop ATMs is the functionality related to e-money WAON.

Cash Charge: You can charge (deposit) money to WAON with cash.
Credit Charge: You can charge WAON from an AEON card (credit card).
Auto-Charge Setting: You can set up or change “auto-charge,” which automatically charges from your AEON card when your WAON balance falls below a set amount.

These functions allow you to prepare your WAON in advance without rushing at the cash register.

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About Smartphone ATM (Cardless Transaction) “Smatto ATM” Support

By using AEON Bank’s official app “Smatto ATM,” it was possible to make cash deposits and withdrawals using only a smartphone without a cash card. You could set the transaction details and amount in the app and complete the transaction by scanning the QR code displayed on the ATM. The “Smatto ATM” service was discontinued on March 12, 2025 (Wednesday).

Japanese Yen Withdrawal Service Using Cards Issued Overseas and Compatible Brands

You can withdraw Japanese yen using cards from major international networks issued overseas, such as PLUS, Cirrus, and UnionPay.

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Security Measures When Using Ministop ATMs and How to Handle Trouble

To use ATMs safely, it is important to know basic security measures and how to respond in case of trouble.

Proper PIN Management and Precautions to Prevent Unauthorized Use

Manage your PIN strictly so that others do not know it, and avoid using easily guessable numbers. Be aware of your surroundings when entering your PIN and take measures such as shielding it with your hand. Also, check that no suspicious devices are attached.

Importance of Checking and Storing Transaction Receipts

After a transaction, always take the receipt and check its contents. It serves as proof of the transaction and helps in the early detection of unauthorized use. Dispose of unneeded receipts by shredding them or using other secure methods.

Checkpoints to Prevent Forgetting Cards or Cash

Make it a habit to check that you have taken your cash card, cash, and transaction receipt after completing an operation. Pay attention to the ATM’s voice guidance and screen display.

Contact Information if Problems Occur During ATM Operation (ATM’s Intercom, Card-Issuing Financial Institution)

If problems such as a jammed card or cash not being dispensed occur, contact the operator (AEON Bank Call Center) using the ATM’s built-in intercom. Do not try to resolve the issue yourself; follow the instructions of the specialized operator. If the problem is with the card itself, you need to contact the card-issuing financial institution.

Frequently Asked Questions (Q&A) Regarding Ministop ATM Use

Here is a summary of typical questions and answers regarding the use of Ministop ATMs.

Q1. Can I make passbook entries or renewals at Ministop ATMs?

A1. No, you cannot make passbook entries or renewals using a passbook at Ministop’s AEON Bank ATMs. A cash card is required for transactions.

Q2. Can I deposit or withdraw coins at Ministop ATMs?

A2. No, coin deposits and withdrawals are not handled. Transactions are for banknotes only.

Q3. Can I make cash transfers from Ministop ATMs?

A3. Cash transfers are possible at some ATMs. Please check the AEON Bank website for fees.

Q4. If I have an AEON Bank cash card, are Ministop ATM fees always free?

A4. Yes. When using an AEON Bank cash card, deposit and withdrawal fees at Ministop’s AEON Bank ATMs are free 24 hours a day, 365 days a year. However, a prescribed fee applies for transfers to other banks.

Q5. Can I charge my e-money WAON at Ministop ATMs?

A5. Yes, you can. In addition to charging with cash, you can also perform credit charges from an AEON card and set up or change auto-charge settings.

Q6. Can I use cards from other banks? What about the fees?

A6. Yes, cards from many affiliated financial institutions can be used. The fees depend on the regulations set by your financial institution. For some institutions, like Mizuho Bank and MUFG Bank, withdrawals may be free during specific times, such as during the day on weekdays.

Q7. Are all ATMs installed in Ministop AEON Bank ATMs?

A7. Yes, as a general rule, all ATMs installed in Ministop are AEON Bank ATMs.