The AEON 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. It has advantages that other credit cards don’t, such as no fees when using AEON Bank ATMs. This article provides a detailed explanation of how to use the cash advance feature with your AEON CARD, including fees, operating hours, and procedures for major convenience store ATMs (7-Eleven, Lawson, Family Mart, and Ministop). It also comprehensively covers how to make early repayments at convenience store ATMs, interest rates, and what to do if you are unable to use the service.
- A Comprehensive Guide to Convenience Store ATMs for AEON CARD Cash Advance
- [By Convenience Store] AEON CARD Cash Advance Details: Fees, Hours, and Operating Procedures
- Guide to Repaying Your AEON CARD Cash Advance at Convenience Store ATMs
- Important Information and Cautions for Using AEON CARD at Convenience Store ATMs
- Q&A on AEON 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 use other AEON CARDs, like AEON CARD SELECT or TGC CARD, in the same way?
- Q5. Are the fees and operating hours the same during New Year’s holidays and public holidays?
- Q6. Is the repayment method for overseas cash advances different from domestic use?
- Q7. Is the cash advance amount eligible for earning WAON POINTs?
- Q8. Can I set up a cash advance limit later?
A Comprehensive Guide to Convenience Store ATMs for AEON CARD Cash Advance
If you have a cash advance credit limit set on your AEON CARD in advance, you can immediately start using the cash advance 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)
AEON CARD (Visa, Mastercard, JCB) 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
AEON CARD Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support AEON CARD cash advance (borrowing). In addition, early repayment (deposits) is also possible at AEON Bank ATMs, Lawson Bank ATMs, and E-net ATMs. You will need your physical AEON CARD and the 4-digit PIN you have set.
Using Cash Advance at Overseas Convenience Store ATMs
AEON 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] AEON CARD Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using AEON 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 AEON CARD or each ATM operator for the latest information.
Using AEON CARD at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
*Repayment (deposits) cannot be made at Seven Bank ATMs.
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: AEON CARD (AEON Bank) 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 AEON CARD’s maintenance hours.
Cash Advance Operating Procedures at the ATM
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your AEON 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 AEON CARD at Lawson (Lawson Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment (deposit) of revolving cash advance
ATM Fees for Cash Advance (Borrowing) & Repayment
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: How can I repay my revolving balance at an ATM? | FAQ | Kurashi-no-Money Site
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 AEON 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 AEON CARD at Family Mart (E-net ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment (deposit) of revolving cash advance
ATM Fees for Cash Advance (Borrowing) & Repayment
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: How can I repay my revolving balance at an ATM? | FAQ | Kurashi-no-Money Site
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 AEON 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 AEON CARD at Ministop (AEON Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment (deposit) of revolving cash advance
ATM Fees for Cash Advance (Borrowing) & Repayment
| Transaction | Fee |
|---|---|
| All transactions | Free |
Source: Use at an ATM | AEON CARD Kurashi-no-Money Site
If you use an AEON Bank ATM, found in locations like Ministop or AEON Malls, there are no fees whatsoever for either borrowing or repayment, regardless of the transaction amount. This is a major advantage of the AEON 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 AEON Bank’s maintenance schedules.
Cash Advance Operating Procedures at the ATM
- Select the “AEON CARD” button.
- Select “AEON Credit Transaction” and insert your AEON CARD.
- Select the “Borrowing” button.
- Enter your 4-digit PIN.
- Select “Cash Advance (lump-sum payment)” or “Cash Advance (revolving payment)”.
- Enter the desired borrowing amount in units of ¥1,000 or more.
- Confirm the details and receive your cash, card, and transaction receipt.
Guide to Repaying Your AEON CARD Cash Advance at Convenience Store ATMs
About Early Repayment of Revolving Cash Advance at Convenience Store ATMs
With AEON CARD, you can choose either a one-time payment or revolving payments for cash advances. The balance of your revolving payments can be paid off early at a convenience store ATM without waiting for the monthly debit. This allows you to reduce the amount of interest you pay.
Convenience Stores and Fees for ATM Repayment
Repay Anytime Fee-Free at AEON Bank ATMs
At AEON Bank ATMs, located in places like Ministop, you can make early repayments for revolving cash advances free of charge. This is the most cost-effective way to repay.
Repayment Availability at Other Partner Convenience Store ATMs
Early repayments are also possible at Lawson Bank ATMs and E-net ATMs, but just like with borrowing, an ATM usage fee (¥110 for ¥10,000 or less, ¥220 for over ¥10,000) will be charged. Seven Bank ATMs located in 7-Eleven do not support repayments.
ATM Repayment Procedures and Important Notes
- Select “Credit Card” from the ATM menu.
- Insert your card and enter your PIN.
- Select a button such as “Repayment” or “Deposit”.
- Follow the on-screen instructions and insert bills for the amount you wish to repay.
- Confirm the details and receive your card and transaction receipt.
Repayable Amounts and Units
Repayments at ATMs can be made in units of ¥1,000. Since ATMs do not accept coins, you cannot make a full repayment that includes an amount less than ¥1,000. If you wish to make a full repayment including change, you will need to do so via bank transfer.
Timing for Repayment Information to Be Reflected and Credit Line Restoration
Information on repayments made at an ATM is usually reflected in your available credit limit after 2-4 business days. Be aware that your limit will not be restored immediately if you plan to use the service again soon.
Source: Is it possible to repay part or all of a cash advance? | FAQ | Kurashi-no-Money Site
Important Information and Cautions for Using AEON 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 website “Kurashi-no-Money Site” or the official app “AEON WALLET.” If your limit is ¥0, you cannot use the service. You can also apply for a credit limit increase through Kurashi-no-Money Site, but this is subject to a prescribed screening process.
Per-Transaction and Daily ATM Withdrawal Limits
In addition to the AEON 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 AEON CARD ranges from 7.8% to 18.0% APR, determined by a screening process. Interest is calculated on a daily basis using the following formula:
Interest = Amount Borrowed × Annual Percentage Rate ÷ 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/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 “Kurashi-no-Money Site.” After the procedure, a document containing your PIN will be mailed to your registered address. With AEON CARD, you can also change (reset) your PIN through Kurashi-no-Money Site or Tele-unser (automated voice response service).
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 AEON CARD.
・Your card payments are overdue.
First, check your usage status on Kurashi-no-Money Site or AEON WALLET. If the issue is not resolved, please contact the AEON CARD Call Center.
Source: Customer Support | AEON CARD Kurashi-no-Money Site
Q&A on AEON 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 billing statement or web statement under names such as “CD Cash Advance” 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 with your first billing. 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 10th of each month, and the payment date (debit date) is the 2nd of the following month (or the next business day if it’s a bank holiday). For example, amounts used by June 10th will be debited on July 2nd.
Q4. Can I use other AEON CARDs, like AEON CARD SELECT or TGC CARD, in the same way?
A4. Yes, any card with the AEON mark, including AEON CARD SELECT, TGC CARD, and Cosmo The Card Opus, can use the cash advance service with the same procedures and fees as explained in this article.
Q5. Are the fees and operating hours the same during New Year’s holidays and public holidays?
A5. 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 AEON CARD website for announcements before use.
Q6. Is the repayment method for overseas cash advances different from domestic use?
A6. The repayment method is the same as for domestic use; it is debited from your account on the payment date of the 2nd of each month. Early repayment is also possible in the same way. The amount used in foreign currency will be converted to Japanese Yen at the rate set by the respective international brand and then billed to you.
Q7. Is the cash advance amount eligible for earning WAON POINTs?
A7. No, the cash advance amount, ATM fees, and interest are not eligible for earning WAON POINTs.
Q8. Can I set up a cash advance limit later?
A8. Yes, you can. You can apply to set a cash advance limit at any time from the members-only website “Kurashi-no-Money Site.” After you apply, a prescribed screening process will be conducted.
Last Updated: June 19, 2025