The Orico 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, it is important to note that the rules for repaying cash advances differ depending on the type of card. This article provides a detailed explanation of how to use the cash advance feature with your Orico 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 Orico Card Cash Advance
- [By Convenience Store] Orico Card Cash Advance Details: Fees, Hours, and Operating Procedures
- Guide to Repaying Your Orico Card Cash Advance: Convenience Store ATM Availability
- Important Information and Cautions for Using Orico Card at Convenience Store ATMs
- Q&A on Orico Card Cash Advance at Convenience Store ATMs
- Q1. Can I make an early repayment at a convenience store ATM?
- Q2. If I use a cash advance at a convenience store ATM, how will it appear on e-Orico and my statement?
- Q3. When and how will I be charged the ATM fee?
- Q4. What are the closing date and payment date (debit date) for cash advances?
- Q5. Is the cash advance feature the same for general cards like the Orico Card THE POINT?
- Q6. Are the fees and operating hours the same during New Year’s holidays and public holidays?
- Q7. Is the cash advance amount eligible for earning Orico Points?
- Q8. Can I set or change my cash advance limit later?
A Comprehensive Guide to Convenience Store ATMs for Orico Card Cash Advance
If you have a cash advance credit limit set on your Orico 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)
Orico Card (Mastercard, Visa, 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
Orico Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support Orico Card cash advance (borrowing). However, repayment (deposits) at convenience store ATMs is a service available only to members with the revolving-payment-only card “UPty”; it cannot be used with other general cards. You will need your physical Orico Card and the 4-digit PIN you have set.
Using Cash Advance at Overseas Convenience Store ATMs
Orico Card can also be used for cash advances abroad. You can use it at ATMs displaying the logos of your card’s international brand (Mastercard, Visa, JCB) or related marks such as “Cirrus” or “PLUS”. You will also need your PIN when using it overseas, so be sure to confirm it before your trip.
[By Convenience Store] Orico Card Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using Orico 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 Orico or each ATM operator for the latest information.
Using Orico Card at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment of revolving cash advance (*For “UPty” revolving-payment-only card members only)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Orico (Orient Corporation) 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 Orico’s maintenance hours.
Cash Advance Operating Procedures at the ATM
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your Orico 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 Orico Card at Lawson (Lawson Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment of revolving cash advance (*For “UPty” revolving-payment-only card members only)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Orico (Orient Corporation) | 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 Orico’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 Orico Card at Family Mart (E-net ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment of revolving cash advance (*For “UPty” revolving-payment-only card members only)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Orico 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 Orico’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 Orico Card at Ministop (AEON Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment of revolving cash advance (*For “UPty” revolving-payment-only card members only)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Cash Advance at Partner ATMs/CDs｜Orico Loans
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 Orico Card Cash Advance: Convenience Store ATM Availability
ATM Repayment Is Only for Members with the “UPty” Revolving-Payment-Only Card
The most important point to note about Orico Card cash advance repayment is that early repayment (deposits) at convenience store ATMs is a service limited to members with the “UPty” revolving-payment-only card. With general Orico cards such as the Orico Card THE POINT, you cannot make early repayments at convenience store ATMs.
Early Repayment Method for General Orico Cards (Bank Transfer)
If you wish to make an early repayment with a general Orico Card, you will need to do so via bank transfer. If you want to save on interest, apply using the following procedure:
Early Repayment Application Procedure and Payee Account Confirmation
- Apply online or call the Credit Center and state that you wish to make an early repayment.
- The operator will inform you of the total repayment amount, including interest up to the repayment date, and the payee bank account information.
- Transfer the specified amount to the designated account provided (you are responsible for any bank transfer fees).
[For UPty Members] Repayment-Compatible Convenience Store ATMs and Fees
If you have the “UPty” revolving-payment-only card, you can make early repayments at any Seven Bank ATM, Lawson Bank ATM, E-net ATM, or AEON Bank ATM. There is no ATM usage fee for repayments.
ATM Repayment Procedures and Important Notes
On the ATM screen, select “Deposit” or “Repayment,” insert your card and enter your PIN, then follow the on-screen instructions to insert bills. Repayments are in units of ¥1,000 and ATMs do not accept coins.
Timing for Repayment Information to Be Reflected and Credit Line Restoration
It may take several business days for the repaid information to be reflected in your available credit line. Be aware that your limit will not be restored immediately if you plan to use the service again soon.
Source: UPty Payments｜Orico Credit Card
Important Information and Cautions for Using Orico Card at Convenience Store ATMs
Checking Your Cash Advance Limit and Applying for an Increase
You can check your current cash advance limit on the members-only website “e-Orico.” If your limit is ¥0, you cannot use the service. You can also apply for a credit limit increase through e-Orico, 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 (e.g., up to ¥200,000). Your Orico Card may also have its own daily ATM usage limit. You can check the details on e-Orico.
Cash Advance Interest Rate (Annual Percentage Rate) and How to Calculate Interest
The cash advance interest rate for Orico Card varies depending on the card type and screening, and is set within a range of 15.0% to 18.0% APR. 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 “e-Orico” or by phone. 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.
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 Orico.
・Your card payments are overdue.
First, check your usage status on e-Orico. If the issue is not resolved, please contact the Orico Card Center.
Source: List of Phone Numbers for Inquiries｜Orico
Q&A on Orico Card Cash Advance at Convenience Store ATMs
Q1. Can I make an early repayment at a convenience store ATM?
A1. Only members with the “UPty” revolving-payment-only card can make early repayments at convenience store ATMs. For general Orico cards like the Orico Card THE POINT, early repayment at convenience store ATMs is not possible; it must be done via bank transfer.
Q2. If I use a cash advance at a convenience store ATM, how will it appear on e-Orico and my statement?
A2. On e-Orico and your statement, it will be listed under transaction types such as “CD (Domestic)” or “ATM,” and will show the date of use, amount, and the name of the financial institution operating the ATM (e.g., SEVEN BANK).
Q3. When and how will I be charged the ATM fee?
A3. 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.
Q4. What are the closing date and payment date (debit date) for cash advances?
A4. 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.
Q5. Is the cash advance feature the same for general cards like the Orico Card THE POINT?
A5. Yes, with the Orico Card THE POINT and other general Orico cards, if you have a cash advance limit set, you can borrow money in the same way with the procedures and fees explained in this article. However, there is a difference: early repayment at convenience store ATMs is only possible for members with the “UPty” revolving-payment-only card.
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 Orico website for announcements before use.
Q7. Is the cash advance amount eligible for earning Orico Points?
A7. No, the cash advance amount, ATM fees, and interest are not eligible for earning Orico Points.
Q8. Can I set or change my cash advance limit later?
A8. Yes, you can. You can apply to set (add) or increase your cash advance limit from the members-only web service “e-Orico.” After you apply, a prescribed screening process will be conducted.
Last Updated: June 19, 2025