Aiful’s card loan allows you to perform borrowing and repayment transactions at affiliated ATMs located in major convenience stores nationwide. The major advantage is the ease of use, whether you need cash for a sudden expense or want to make a repayment on its due date. However, fees vary depending on the convenience store ATM and the transaction amount, and you should also be aware of the operating hours. This article provides a comprehensive guide, from detailed information on using your Aiful card at convenience store ATMs to how to use the cardless “Smartphone ATM”.
- A Comprehensive Guide to Convenience Store ATMs for Aiful
- [By Store] Detailed Guide to Aiful ATM Use: Borrowing/Repayment Fees & Hours
- A Complete Guide to Borrowing & Repaying with the Cardless “Smartphone ATM”
- General Points of Caution When Using Aiful at Convenience Store ATMs
- Transaction Limits: Per-Transaction and Daily Borrowing/Repayment Caps
- Handling of Coins: Repayments at Convenience Store ATMs are in ¥1,000 Increments (Banknotes Only)
- Handling of Change: Repayments in ¥1,000 Increments and Deposit Balance (Non-Interest-Bearing Balance)
- Checking System Maintenance Times: Aiful Official Site and ATM Information
- PIN Management and Security: For Safe ATM Use
- Q&A on Using Aiful at Convenience Store ATMs
- Q1. After making a repayment at a convenience store ATM, when will my available credit be updated?
- Q2. Can I use the Smartphone ATM at convenience stores other than Seven-Eleven and Lawson?
- Q3. Is there a way to avoid fees at convenience store ATMs?
- Q4. Can I use convenience store ATMs during the New Year’s or Golden Week holidays?
- Q5. How can I repay a balance of less than ¥1,000 at a convenience store ATM?
- Q6. Will the transaction statement from a convenience store ATM be mailed to me later?
- Q7. My Aiful card isn’t responding in a convenience store ATM. Why?
- Q8. Is it possible to make a lump-sum repayment at a convenience store ATM?
A Comprehensive Guide to Convenience Store ATMs for Aiful
Aiful has partnered with numerous convenience store ATMs across the country, building a convenient network that is easily accessible to users wherever they are. First, let’s get an overview of which convenience stores offer Aiful services.
Availability at Major Convenience Stores (Seven-Eleven & Lawson)
For Aiful borrowing and repayments, the most frequently used are the ATMs installed in major convenience stores, which have a large number of locations nationwide.
- Seven-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
Aiful Card Compatibility at Seven Bank and Lawson Bank ATMs
Both Seven Bank ATMs and Lawson Bank ATMs support borrowing and repayments with an Aiful card. They are extremely convenient as they are generally available 24 hours a day, 365 days a year. Furthermore, these ATMs also support “Smartphone ATM” transactions, which can be done without a card.
Other Affiliated Convenience Store ATMs (FamilyMart, Ministop, etc.)
In addition to the convenience stores listed above, Aiful is also affiliated with the following ATM networks, making it available at a wide range of convenience stores.
- FamilyMart, Daily Yamazaki, etc.: E-net ATM
- Ministop, etc.: AEON Bank ATM
- Some FamilyMart stores, etc.: Japan Post Bank ATM
Availability at E-net, AEON Bank, and Japan Post Bank ATMs
Transactions using an Aiful card are also possible at E-net ATMs in stores like FamilyMart, AEON Bank ATMs in Ministop, and Japan Post Bank ATMs inside some convenience stores. However, since these ATMs do not support Smartphone ATM transactions, an Aiful card is required for use.
[By Store] Detailed Guide to Aiful ATM Use: Borrowing/Repayment Fees & Hours
From here, we will detail the fees and operating hours for conducting Aiful transactions at each affiliated ATM.
*All fees include tax. Information is current as of June 2025. Please check the official websites of Aiful or each ATM operator for the latest information.
Using Aiful at Seven-Eleven (Seven Bank ATM)
Available Transactions
- Borrowing
- Repayment
Borrowing & Repayment Fees: Tiered by Transaction Amount
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Aiful ATM Service | Seven Bank
ATM Availability and Aiful Maintenance Information
Seven Bank ATMs are generally operational 24 hours a day, 365 days a year, but they cannot be used during Aiful’s system maintenance periods.
Main Maintenance Window: From 11:00 PM at the end of the month to 7:00 AM the next day
Please be aware that all transactions are suspended during this time. Other temporary maintenance may also occur.
Using Aiful at Lawson (Lawson Bank ATM)
Available Transactions
- Borrowing
- Repayment
Borrowing & Repayment Fees: Tiered by Transaction Amount
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Aiful | Lawson Bank
ATM Availability and Aiful Maintenance Information
Lawson Bank ATMs are also generally available 24 hours a day, but transactions are not possible during Aiful’s system maintenance window (from 11:00 PM at the end of the month to 7:00 AM the next day). Other unscheduled maintenance on the ATM itself may also occur.
A Complete Guide to Borrowing & Repaying with the Cardless “Smartphone ATM”
What is Smartphone ATM? How Cardless Transactions Work with the Aiful App
Aiful’s “Smartphone ATM” is a service that allows you to borrow and repay at Seven Bank and Lawson Bank ATMs without a card, using the official smartphone app. Since you don’t need to carry a card and can complete transactions with just your smartphone, it offers peace of mind in terms of privacy and security.
[For Seven Bank & Lawson Bank ATMs] Smartphone ATM Borrowing & Repayment Steps
Preparation: Install the Aiful App and Verify Your Identity
To use the Smartphone ATM, you must first install the official Aiful app on your smartphone and log in as a member. You can prepare for the transaction by selecting “Smartphone ATM” from the in-app menu.
ATM Operation Flow: How to Scan the ATM Screen’s QR Code with the App
- Start the ATM Operation: On the ATM’s main screen, select “Withdrawal, Deposit, Credit Transactions, etc.” for a Seven Bank ATM, or “Smartphone Transaction” for a Lawson Bank ATM.
- Display the QR Code on the ATM Screen: A QR code for the transaction will be displayed on the ATM screen.
- Scan the QR Code with the App: Launch the official Aiful app on your smartphone and open the camera from the “Smartphone ATM” menu. Use the camera to scan the QR code displayed on the ATM screen.
- Enter PIN and Amount: Once the QR code is successfully scanned, a corporate number will appear in the app, which you then enter on the ATM screen. Next, follow the on-screen instructions at the ATM to enter your PIN and the transaction amount.
- Collect Cash and Receipt: After confirming the details, collect the cash and the transaction receipt from the ATM to complete the transaction.
Smartphone ATM Fees and Transaction Limits
The usage fees for Smartphone ATM are the same as for card-based transactions. A fee of ¥110 applies to transactions of ¥10,000 or less, and ¥220 for transactions over ¥10,000. The transaction limit is also the same as with a card transaction, within your personal contract limit.
Common Reasons and Solutions for Smartphone ATM Not Working
If you are unable to use the Smartphone ATM, the following reasons are possible:
・The ATM is undergoing temporary maintenance.
・The app version is outdated, or your smartphone’s connection is poor.
・Poor QR code reading (due to a dirty camera lens, damaged smartphone screen, etc.).
・Incorrect PIN entry.
First, try updating the app, restarting your smartphone, and checking your internet connection. If the problem persists, try the operation again later or contact Aiful’s members-only support line.
Source: How to Borrow with the Smartphone App | [Official Aiful Consumer Finance]
General Points of Caution When Using Aiful at Convenience Store ATMs
Transaction Limits: Per-Transaction and Daily Borrowing/Repayment Caps
Separate from your Aiful contract limit, each ATM has its own per-transaction limit. For example, Seven Bank ATMs have a deposit/withdrawal limit of ¥500,000 per transaction, while Lawson Bank ATMs have a withdrawal limit of ¥200,000. If you need to transact an amount exceeding these limits, you must either split it into multiple transactions or consider another method.
Handling of Coins: Repayments at Convenience Store ATMs are in ¥1,000 Increments (Banknotes Only)
All affiliated convenience store ATMs do not support the insertion or dispensing of coins. Repayments must be made in ¥1,000 banknote increments only. Therefore, you cannot complete a full repayment at a convenience store ATM if the balance includes an amount less than ¥1,000.
Handling of Change: Repayments in ¥1,000 Increments and Deposit Balance (Non-Interest-Bearing Balance)
When you deposit more than your outstanding balance at a convenience store ATM, change is not returned on the spot. The overpaid amount becomes a “deposit balance” and can be applied to your next repayment or refunded via bank transfer. If the remaining balance after repayment is less than ¥1,000, it becomes a “non-interest-bearing balance.” It does not accrue interest and has no payment deadline, but a separate procedure is required to pay it off completely.
Checking System Maintenance Times: Aiful Official Site and ATM Information
In addition to Aiful’s system maintenance window (from 11:00 PM at the end of the month to 7:00 AM the next day), unscheduled maintenance may be performed for service improvement. Maintenance may also be conducted by the respective ATM operators. It is recommended to check the Aiful official website or app announcements for information on unavailable times.
PIN Management and Security: For Safe ATM Use
When operating an ATM, always take basic security precautions, such as covering your hand when entering your PIN to prevent third parties from seeing it. If you enter the wrong PIN multiple times, your card may be locked for security reasons. Please manage your PIN securely and do not forget it.
Q&A on Using Aiful at Convenience Store ATMs
Q1. After making a repayment at a convenience store ATM, when will my available credit be updated?
A1. Yes, in principle, it will be reflected in your available credit immediately after the transaction is completed. You can check your latest available credit in the Aiful app or member service right after making the repayment.
Q2. Can I use the Smartphone ATM at convenience stores other than Seven-Eleven and Lawson?
A2. No, you cannot. As of 2025, Aiful’s Smartphone ATM can only be used at Seven Bank ATMs and Lawson Bank ATMs. It cannot be used at E-net ATMs located in FamilyMart and other stores.
Q3. Is there a way to avoid fees at convenience store ATMs?
A3. There is no way to avoid the usage fees at affiliated convenience store ATMs. If you wish to transact without fees, you need to use internet repayment or select repayment by account transfer (direct debit).
Q4. Can I use convenience store ATMs during the New Year’s or Golden Week holidays?
A4. Yes, in principle, they are available 24 hours a day during New Year’s and long holiday weekends. The fees are also the same as on weekdays. However, since temporary maintenance may occasionally occur, it is safer to check the official website in advance if you plan to make a large transaction.
Q5. How can I repay a balance of less than ¥1,000 at a convenience store ATM?
A5. You cannot repay a balance of less than ¥1,000 (a non-interest-bearing balance) at a convenience store ATM. To pay off the loan completely, you need to use a bank transfer, an Aiful branch counter, or certain Aiful ATMs.
Q6. Will the transaction statement from a convenience store ATM be mailed to me later?
A6. No, it will not be mailed. You can check the transaction details on the receipt issued at the ATM at the time of use. Aiful primarily uses “WEB statements,” where you can check your transaction history online, so no mail will be sent if you choose this option when you sign up.
Q7. My Aiful card isn’t responding in a convenience store ATM. Why?
A7. The main possible causes are a faulty magnetic stripe or a damaged IC chip on the card. An expired card or a lock due to an incorrect PIN could also be the cause. If it still doesn’t work after trying multiple ATMs, please contact Aiful’s members-only support line to request a card reissue or other assistance.
Q8. Is it possible to make a lump-sum repayment at a convenience store ATM?
A8. As interest calculations almost always result in a loan balance with an amount less than ¥1,000, it is difficult to pay off the loan in full (lump-sum repayment) using only a convenience store ATM. If you wish to make a lump-sum repayment, it is best to confirm the exact total repayment amount via the member service beforehand and then complete the transaction using a method like bank transfer.
Last updated: June 17, 2025