The Rakuten Card cash advance feature is a convenient service that allows you to withdraw cash from ATMs at convenience stores nationwide when you need funds for unexpected expenses. However, the fees and available hours can vary depending on the convenience store ATM, and there are important points to note about repayment methods. This article provides a detailed explanation of how to use the cash advance feature with your Rakuten Card, including fees, operating hours, and procedures for major convenience store ATMs (7-Eleven, Lawson, Family Mart, and Ministop). It also comprehensively covers correct repayment methods, interest, and what to do if you are unable to use the service.
- A Comprehensive Guide to Convenience Store ATMs for Rakuten Card Cash Advance
- [By Convenience Store] Rakuten Card Cash Advance Details: Fees, Hours, and Operating Procedures
- Guide to Repaying Your Rakuten Card Cash Advance
- Important Information and Cautions for Using Rakuten Card at Convenience Store ATMs
- Checking Your Cash Advance Limit and Applying for an Increase
- Per-Transaction and Daily ATM Withdrawal Limits
- Cash Advance Interest Rate (Annual Percentage Rate) and How to Calculate Interest
- How to Inquire and Reset Your PIN If You Forget It
- Possible Reasons and Solutions If You Cannot Use Cash Advance
- Q&A on Rakuten Card Cash Advance at Convenience Store ATMs
- Q1. If I use a cash advance at a convenience store ATM, how will it appear on my statement?
- Q2. When and how will I be charged the ATM fee?
- Q3. What are the closing date and payment date (debit date) for cash advances?
- Q4. Can I make an early repayment at a convenience store ATM?
- Q5. Can I use the cash advance feature of a Rakuten Bank Card in the same way?
- Q6. Are the fees and operating hours the same during New Year’s holidays and public holidays?
- Q7. Is the repayment method for overseas cash advances different from domestic use?
- Q8. Are Rakuten Points earned for cash advance usage?
A Comprehensive Guide to Convenience Store ATMs for Rakuten Card Cash Advance
If you have a cash advance credit limit set on your Rakuten Card in advance, you can immediately start using the service at a nearby convenience store ATM. First, let’s review which ATMs at which convenience stores are compatible.
Overview of Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)
Rakuten Card (Visa, Mastercard, JCB, American Express) cash advance services can be used at the following major convenience store ATMs across Japan.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- Family Mart: E-net ATM (*excluding some stores)
- Ministop: AEON Bank ATM
Rakuten Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support Rakuten Card cash advance (borrowing). Currently, repayment (deposits) at convenience store ATMs is not supported. You will need your physical Rakuten Card and the 4-digit PIN you have set.
Using Cash Advance at Overseas Convenience Store ATMs
Rakuten Card can also be used for cash advances abroad. You can use it at ATMs displaying the logo of your card’s international brand (Visa, Mastercard, JCB). Look for the “PLUS” mark for Visa cards, and the “Cirrus” mark for Mastercard or JCB cards. You will also need your PIN when using it overseas, so be sure to confirm it before your trip.
[By Convenience Store] Rakuten Card Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using Rakuten Card cash advance at each convenience store ATM.
*All fees include tax. Information is current as of June 2025. Please check the official websites of Rakuten Card or each ATM operator for the latest information.
Using Rakuten Card at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Rakuten Card ATM Service | Seven Bank
ATM Availability and Maintenance Information
Seven Bank ATMs are generally available 24/7, 365 days a year. However, system maintenance may occur during certain times, such as late at night. You also cannot use the service during Rakuten Card’s maintenance hours, so it is recommended to check the official website in advance.
Cash Advance Operating Procedures at the ATM
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your Rakuten Card into the ATM.
- Select the “Withdrawal (Borrowing)” button.
- Enter your 4-digit PIN.
- Enter the desired withdrawal amount.
- Confirm the details and receive your cash, card, and transaction receipt.
Using Rakuten Card at Lawson (Lawson Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Rakuten Card | Lawson Bank
ATM Availability and Maintenance Information
Lawson Bank ATMs are also generally operational 24 hours a day but have regular maintenance times. The service is unavailable if it overlaps with Rakuten Card’s maintenance hours.
Cash Advance Operating Procedures at the ATM
The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions to insert your card, enter your PIN, and specify the amount.
Using Rakuten Card at Family Mart (E-net ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Rakuten Card | E-net ATM Fees & Service Hours | E-net, Inc.
ATM Availability and Maintenance Information
E-net ATMs are also available almost 24 hours a day, but may be temporarily unavailable for maintenance late at night or in the early morning. The service is also unavailable during Rakuten Card’s maintenance hours.
Cash Advance Operating Procedures at the ATM
The operating procedure is largely the same as for other convenience store ATMs. Follow the on-screen instructions to complete the transaction.
Using Rakuten Card at Ministop (AEON Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: About Using ATMs｜Rakuten Card
ATM Availability and Maintenance Information
AEON Bank ATMs operate for long hours, but there may be times when they are unavailable due to the store’s business hours or maintenance schedules.
Cash Advance Operating Procedures at the ATM
The procedure is the same as for other ATMs. Follow the on-screen prompts to insert your card, enter your PIN, and enter the amount.
Guide to Repaying Your Rakuten Card Cash Advance
The amount used for a Rakuten Card cash advance is automatically withdrawn from your designated bank account on the monthly payment date. If you wish to make an early repayment to reduce interest, you must do so via bank transfer.
Repayment at Convenience Store ATMs Is Not Possible | Early Repayment Is by Bank Transfer
Previously, early repayment of cash advances was possible at some convenience store ATMs, but currently, there are no convenience store ATMs that support Rakuten Card cash advance repayment. Repayment methods are either the monthly “automatic account debit” or “early repayment by bank transfer,” which can be arranged through Rakuten Card’s chat support or the Rakuten Card Contact Center.
Early Repayment (Bank Transfer) Procedures and Notes
- How to Apply: Apply for “early repayment by bank transfer” via Rakuten Card’s chat support or the Rakuten Card Contact Center.
- Confirm Payee Account: Transfer the desired repayment amount to the designated account provided after you apply.
- Important Notes: You are responsible for any bank transfer fees. Please note that if you transfer an amount different from what you applied for, it may not be processed correctly.
Source: How to repay my card balance before the monthly payment date | FAQ｜Rakuten Card
Automatic Account Debit (Standard Repayment Method)
The cash advance amount is combined with your shopping balance and debited from your registered account on the 27th of each month (or the next business day if the 27th is a bank holiday). No special procedure is required, but it is important to check your account balance before the payment date.
Important Information and Cautions for Using Rakuten Card at Convenience Store ATMs
Checking Your Cash Advance Limit and Applying for an Increase
To use the cash advance service, a “cash advance credit limit” must be set in advance. You can check your current limit on the members-only online service “Rakuten e-NAVI.” If your limit is ¥0, you cannot use the service. You can also apply for a credit limit increase through Rakuten e-NAVI, but this is subject to a prescribed screening process.
Per-Transaction and Daily ATM Withdrawal Limits
In addition to the Rakuten Card’s own cash advance 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 ¥200,000 at a time. If you wish to make a larger transaction, you will need to do so in multiple steps.
Cash Advance Interest Rate (Annual Percentage Rate) and How to Calculate Interest
The cash advance interest rate for Rakuten Card is an 18.0% annual percentage rate (APR). Interest is calculated on a daily basis using the following formula:
Interest = Amount Borrowed × Annual Percentage Rate (18.0%) ÷ 365 days × Number of Days Used
The number of days used is the period from the day after the borrowing date to the payment date (or early repayment date).
How to Inquire and Reset Your PIN If You Forget It
A 4-digit PIN is required to use the cash advance service. If you forget it, you can request an inquiry through Rakuten e-NAVI or by phone (automated voice service). After the procedure, a document containing your PIN will be mailed to your registered address. For security reasons, your PIN cannot be given to you directly over the phone or by email. Please note that you cannot change (reset) your PIN; only an inquiry is possible.
Possible Reasons and Solutions If You Cannot Use Cash Advance
If you are unable to use cash advance at an ATM, the following reasons are possible:
・The cash advance credit limit has not been set or has been exceeded.
・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 Rakuten Card.
・Your card payments are overdue.
First, check your usage status on Rakuten e-NAVI. If the issue is not resolved, please contact the Rakuten Card Contact Center.
Source: Contact Us｜Rakuten Card
Q&A on Rakuten Card Cash Advance at Convenience Store ATMs
Q1. If I use a cash advance at a convenience store ATM, how will it appear on my statement?
A1. It will be listed on your statement under names such as “CD Cash Advance (Domestic)” or “ATM Cash Advance,” and will show the date of use, amount, and the name of the financial institution operating the ATM (e.g., SEVEN BANK).
Q2. When and how will I be charged the ATM fee?
A2. The ATM fee will be debited from your account along with the principal cash advance amount on the following month’s payment date. It is not included in the interest calculation.
Q3. What are the closing date and payment date (debit date) for cash advances?
A3. The closing date is the last day of each month, and the payment date (debit date) is the 27th of the following month (or the next business day if it’s a bank holiday). For example, amounts used in June will be debited on July 27th.
Q4. Can I make an early repayment at a convenience store ATM?
A4. No, early repayments cannot be made at convenience store ATMs at this time. If you wish to make an early repayment, please do so through the Rakuten Card chat support or the Rakuten Card Contact Center.
Q5. Can I use the cash advance feature of a Rakuten Bank Card in the same way?
A5. Yes, cash advances using the credit function (Rakuten Card function) attached to a Rakuten Bank Card follow the same procedures and fees as explained in this article. Please note that this is different from the Rakuten Bank cash card function.
Q6. Are the fees and operating hours the same during New Year’s holidays and public holidays?
A6. As a rule, fees do not change on public holidays. However, operating hours may be altered due to special system maintenance during periods like the New Year’s or Golden Week holidays. It is recommended to check the official Rakuten Card website for announcements before use.
Q7. Is the repayment method for overseas cash advances different from domestic use?
A7. The repayment method is the same as for domestic use; it is debited from your account on the payment date of the 27th of each month. The amount used in foreign currency will be converted to Japanese Yen at the rate set by the international brand (e.g., Visa or Mastercard) and then billed to you.
Q8. Are Rakuten Points earned for cash advance usage?
A8. No, the cash advance amount, ATM fees, and interest are not eligible for earning Rakuten Points.
Last Updated: June 19, 2025