How to Use JCB Card for Cash Advance at Convenience Store ATMs: Fees, Hours | Guide to Borrowing and Repayment at 7-Eleven, Lawson, Family Mart, and Ministop

The JCB 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. However, fees vary depending on the ATM you use, and the methods for early repayment differ greatly for “Cash Advance One-Time Payment” and “Cash Advance Revolving Payment.” This article provides a detailed explanation of how to use the cash advance feature with your JCB 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 JCB Card Cash Advance

If you have a cash advance credit limit set on your JCB 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)

JCB Card 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

JCB Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs

All of the convenience store ATMs listed above support JCB Card cash advance (borrowing). In addition, early repayment (deposits) for Cash Advance Revolving Payments is also possible. You will need your physical JCB Card and the 4-digit PIN you have set.

Using Cash Advance at Overseas Convenience Store ATMs

JCB Card can also be used for cash advances abroad. You can use it at ATMs displaying the “JCB” or “Cirrus” logo. You will also need your PIN when using it overseas, so be sure to confirm it before your trip.

[By Convenience Store] JCB Card Cash Advance Details: Fees, Hours, and Operating Procedures

From here, we will detail the fees, available hours, and basic operating procedures for using JCB 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 JCB or each ATM operator for the latest information.

Using JCB Card at 7-Eleven (Seven Bank ATM)

Main Available Transactions

Cash Advance (Borrowing)
Early repayment (deposit) of Cash Advance Revolving Payment

ATM Fees for Cash Advance (Borrowing)

Transaction Amount	Fee
¥10,000 or less	¥110
Over ¥10,000	¥220

Source: JCB 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 JCB’s maintenance hours.

Cash Advance Operating Procedures at the ATM

Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
Insert your JCB 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 JCB Card at Lawson (Lawson Bank ATM)

Main Available Transactions

Cash Advance (Borrowing)
Early repayment (deposit) of Cash Advance Revolving Payment

ATM Fees for Cash Advance (Borrowing)

Transaction Amount	Fee
¥10,000 or less	¥110
Over ¥10,000	¥220

Source: JCB | 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 JCB’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 JCB Card at Family Mart (E-net ATM)

Main Available Transactions

Cash Advance (Borrowing)
Early repayment (deposit) of Cash Advance Revolving Payment

ATM Fees for Cash Advance (Borrowing)

Transaction Amount	Fee
¥10,000 or less	¥110
Over ¥10,000	¥220

Source: JCB 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 JCB’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 JCB Card at Ministop (AEON Bank ATM)

Main Available Transactions

Cash Advance (Borrowing)
Early repayment (deposit) of Cash Advance Revolving Payment

ATM Fees for Cash Advance (Borrowing)

Transaction Amount	Fee
¥10,000 or less	¥110
Over ¥10,000	¥220

Source: JCB at AEON Bank ATMs｜If it’s a credit card, it’s JCB 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 JCB Card Cash Advance at Convenience Store ATMs

Caution: Early Repayment at Convenience Store ATMs Is Only for Cash Advance Revolving Payments

The most important point about JCB Card cash advance repayment is that early repayment (lump-sum payment) at a convenience store ATM is limited to amounts used for “Cash Advance Revolving Payment.”

Early Repayment Method for Cash Advance One-Time Payment (Bank Transfer, etc.)

If you wish to repay an amount used with “Cash Advance One-Time Payment” before the scheduled payment date, you cannot do so at a convenience store ATM. You must apply through the members-only web service “MyJCB” or by phone, and then repay via bank transfer to an account designated by JCB. You will be responsible for any bank transfer fees.

[For Cash Advance Revolving Payments] Repayment-Compatible Convenience Store ATMs and Fees

Early repayment of a revolving cash advance is possible at any Seven Bank ATM, Lawson Bank ATM, E-net ATM, or AEON Bank ATM. An ATM usage fee for repayment may be charged, similar to borrowing: ¥110 for ¥10,000 or less, and ¥220 for over ¥10,000.

ATM Repayment Procedures and Important Notes

Select “Credit Card Repayment” or a similar option from the ATM menu.
Insert your card and enter your PIN.
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 complete the procedure through MyJCB or by phone.

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: How can I make an early repayment for my card usage? | FAQ (For Individual and Corporate Customers)

Important Information and Cautions for Using JCB 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 web service “MyJCB.” If your limit is ¥0, you cannot use the service. You can also apply for a credit limit increase through MyJCB, 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 you use 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 JCB Card varies depending on the card type and screening, and is set within a range of 15.00% to 18.00% 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 “MyJCB” 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. You can also change (reset) your PIN through MyJCB.

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 JCB.
・Your card payments are overdue.
First, check your usage status on MyJCB. If the issue is not resolved, please contact the Information Center listed on the back of your card.

Source: Customer Support｜If it’s a credit card, it’s JCB Card

Q&A on JCB Card Cash Advance at Convenience Store ATMs

Q1. If I use a cash advance at a convenience store ATM, how will it appear on MyJCB and my statement?

A1. On MyJCB and your statement, it will be listed as “Domestic CD Cash Advance One-Time Payment” or “Domestic CD Cash Advance Revolving Payment,” 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 your usage charges on the monthly 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 15th of each month, and the payment date (debit date) is the 10th of the following month (or the next business day if it’s a bank holiday). For example, amounts used by June 15th will be debited on July 10th.

Q4. Can I make an early repayment for a Cash Advance One-Time Payment at a convenience store ATM?

A4. No, you cannot. Early repayment at a convenience store ATM is only available for amounts used for “Cash Advance Revolving Payment.” To make an early repayment for a “Cash Advance One-Time Payment,” you must apply through MyJCB or by phone and then make a bank transfer.

Q5. Can I use a co-branded card issued by JCB (like a Rakuten Card) in the same way?

A5. For co-branded cards, the cash advance rules (fees, interest rates, repayment methods, etc.) are based on the regulations of the card issuer (e.g., Rakuten Card, AEON Bank), and differ from cards issued directly by JCB. Please check with your card’s issuer for details.

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 JCB website for announcements before use.

Q7. Is the cash advance amount eligible for earning Oki Doki Points?

A7. No, the cash advance amount, ATM fees, and interest are not eligible for points under the Oki Doki Point Program.

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 “MyJCB.” After you apply, a prescribed screening process will be conducted.

Last Updated: June 20, 2025