The EPOS CARD cash advance feature is a convenient service that allows you to easily withdraw cash from ATMs at convenience stores nationwide when you need funds for unexpected expenses. Furthermore, it offers the significant advantage of allowing you to make early repayments for your revolving cash advance balance at any time through convenience store ATMs, making it easy to reduce interest costs. This article provides a detailed explanation of how to use the cash advance feature with your EPOS CARD, including fees, operating hours, and procedures for major convenience store ATMs (7-Eleven, Lawson, Family Mart, and Ministop). It also comprehensively covers the convenient ATM repayment methods, interest, and what to do if you are unable to use the service.
- A Comprehensive Guide to Convenience Store ATMs for EPOS CARD Cash Advance
- [By Convenience Store] EPOS CARD Cash Advance Details: Fees, Hours, and Operating Procedures
- Guide to Repaying Your EPOS CARD Cash Advance at Convenience Store ATMs
- Important Information and Cautions for Using EPOS CARD at Convenience Store ATMs
- Q&A on EPOS CARD Cash Advance at Convenience Store ATMs
- Q1. If I use a cash advance at a convenience store ATM, how will it appear on Epos Net and 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 repay an overseas cash advance at a convenience store ATM?
- Q5. Are the fees and operating hours the same during New Year’s holidays and public holidays?
- Q6. Is the cash advance amount eligible for earning Epos Points?
- Q7. Can I later set my cash advance limit to zero?
- Q8. When applying for an EPOS CARD, is it possible to not request a cash advance limit?
A Comprehensive Guide to Convenience Store ATMs for EPOS CARD Cash Advance
If you have a cash advance credit limit set on your EPOS 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)
EPOS CARD (Visa) 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
EPOS CARD Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support both EPOS CARD cash advance (borrowing) and early repayment (deposits) for revolving cash advances. You will need your physical EPOS CARD and the 4-digit PIN you have set.
Using Cash Advance at Overseas Convenience Store ATMs
Since EPOS CARD is a Visa-branded card, you can get a cash advance at overseas ATMs displaying the “PLUS” logo. ATMs in convenience stores in many countries support this mark. You will also need your PIN when using it overseas, so be sure to confirm it before your trip.
[By Convenience Store] EPOS CARD Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using EPOS 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 EPOS CARD or each ATM operator for the latest information.
Using EPOS CARD at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment (deposit) of revolving cash advance
- Smartphone ATM
ATM Fees for Cash Advance (Borrowing) & Repayment
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: EPOS 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 late at night. You also cannot use the service during EPOS CARD’s maintenance hours.
Cash Advance Operating Procedures at the ATM
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your EPOS 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 EPOS 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: EPOS CARD | Lawson Bank
ATM Availability and Maintenance Information
Lawson Bank ATMs are also generally operational 24 hours a day but have regular maintenance times (mainly from late night to early morning). The service is unavailable if it overlaps with EPOS 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 EPOS 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: Epos | 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 EPOS 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 EPOS 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 Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: About Usage and Repayment at AEON Bank ATMs｜Credit Cards are EPOS 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 system maintenance.
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 EPOS CARD Cash Advance at Convenience Store ATMs
Early Repayment at Convenience Store ATMs Is Only Possible for Revolving Payments
With EPOS CARD, the possibility of making an early repayment differs clearly depending on the payment method.
Revolving Cash Advance
You can make an early repayment at any time at convenience store ATMs and other locations. You can choose between making an “additional payment” to repay part of the balance or a “full payment” to repay the entire amount at once.
One-Time Payment Cash Advance
Early repayment is not possible. The only repayment method is a lump-sum debit from your registered account on the scheduled payment date.
Convenience Stores and Fees for ATM Revolving Repayment
Early repayment of a revolving cash advance is possible at any Seven Bank ATM, Lawson Bank ATM, E-net ATM, or AEON Bank ATM. The ATM usage fee for repayment is the same as for borrowing: ¥110 for ¥10,000 or less, and ¥220 for over ¥10,000.
ATM Revolving Repayment Procedures and Important Notes
- Select “Credit Card” from the ATM menu.
- Insert your card and enter your PIN.
- Select a button such as “Deposit” or “Repayment”.
- 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 (e.g., in thousands of yen)
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. To make a full repayment including change, you will need to use an Epos ATM at a Marui department store (payment with cash and card), Pay-easy, or a bank transfer.
Timing for Repayment Information to Be Reflected and Credit Line Restoration
Information on repayments made at an ATM is reflected almost in real-time on Epos Net and the app, and the available credit limit is also restored immediately. This is another advantage of the EPOS CARD.
Source: Repayment Methods｜Credit Cards are EPOS CARD
Important Information and Cautions for Using EPOS 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 easily check your current limit on the members-only website “Epos Net” or the official “Epos App.” If your limit is ¥0, you cannot use the service. You can also apply for a credit limit increase through Epos Net, but this is subject to a prescribed screening process.
Per-Transaction and Daily ATM Withdrawal Limits
In addition to your 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 EPOS 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/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 “Epos Net.” 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 EPOS CARD.
・Your card payments are overdue.
First, check your usage status on Epos Net or the Epos App. If the issue is not resolved, please contact the Epos Customer Center.
Source: Contact Us｜Credit Cards are EPOS CARD
Q&A on EPOS CARD Cash Advance at Convenience Store ATMs
Q1. If I use a cash advance at a convenience store ATM, how will it appear on Epos Net and my statement?
A1. It will be listed on Epos Net and 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, for both borrowing and repayment, will be debited along with your shopping charges on your card’s payment date in the month or two months following the usage.
Q3. What are the closing date and payment date (debit date) for cash advances?
A3. The payment date for EPOS CARD depends on your payment course. For account debits, you can choose either the 4th or the 27th of each month. The closing date varies depending on the payment date. For payment on the 4th, the period is from the 5th of the month before last to the 4th of last month. For payment on the 27th, it covers usage from the 28th of the month before last to the 27th of last month.
Q4. Can I repay an overseas cash advance at a convenience store ATM?
A4. You cannot make repayments at overseas ATMs. However, for amounts borrowed via cash advance overseas, if you used the revolving payment option, you can make an early repayment at a Japanese convenience store ATM after returning home. If you used the one-time payment option, early repayment is not possible.
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 EPOS CARD website for announcements before use.
Q6. Is the cash advance amount eligible for earning Epos Points?
A6. No, the cash advance amount, ATM fees, and interest are not eligible for earning Epos Points.
Q7. Can I later set my cash advance limit to zero?
A7. Yes, you can. From the “Change Cash Advance Limit” menu on Epos Net, you can set (remove) your credit limit to ¥0. This is useful if you are concerned about overspending or want to increase security.
Q8. When applying for an EPOS CARD, is it possible to not request a cash advance limit?
A8. Yes, it is. When applying for a new EPOS CARD, you can apply with the cash advance limit set to “Do not want” or “¥0”. If you do not need the cash advance feature, it is recommended that you apply with this setting.
Last Updated: June 19, 2025