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

The JACCS 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 rules for repayment are detailed, with a key point being that early repayment at convenience store ATMs is limited to “partial repayment of revolving payments.” This article provides a detailed explanation of how to use the cash advance feature with your JACCS 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 JACCS Card Cash Advance

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

JACCS Cards (Visa, Mastercard, and JCB) can be used for cash advance services 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

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

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

Using Cash Advance at Overseas Convenience Store ATMs

JACCS 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) or related networks like “PLUS” or “Cirrus.” You will also need your PIN when using it overseas, so be sure to confirm it before your trip.

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

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

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

Main Available Transactions

Cash Advance (Borrowing)
Partial 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: JACCS 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 JACCS’s maintenance hours.

Cash Advance Operating Procedures at the ATM

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

Main Available Transactions

Cash Advance (Borrowing)
Partial 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: JACCS | 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 JACCS’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 JACCS Card at Family Mart (E-net ATM)

Main Available Transactions

Cash Advance (Borrowing)
Partial 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: JACCS 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 JACCS’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 JACCS Card at Ministop (AEON Bank ATM)

Main Available Transactions

Cash Advance (Borrowing)
Partial 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: Guide to ATMs/CDs for Cash Advance｜JACCS Cashing

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 JACCS Card Cash Advance at Convenience Store ATMs

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

The most important point about JACCS Card cash advance repayment is that early repayment (deposit) at a convenience store ATM is limited to cases where you are repaying a portion of the outstanding balance of a “Cash Advance Revolving Payment.” You cannot make a full repayment of a revolving payment or any repayment of a one-time payment at a convenience store ATM.

How to Make Full Repayments or One-Time Repayments (Web/Intercom Club & Phone)

If you wish to make a “full” repayment of a Cash Advance Revolving Payment or repay an amount used with “One-Time Payment” before the scheduled payment date, you must do so through the web member service “Intercom Club” or by phone (JACCS Customer Center). After applying, you will be informed of the repayment amount and the designated bank account for transfer. You will be responsible for any bank transfer fees.

[For Partial Revolving Repayments] Repayment-Compatible Convenience Store ATMs and Fees

Partial early repayment of a revolving cash advance is possible at any Seven Bank ATM, Lawson Bank ATM, E-net ATM, or AEON Bank ATM. There is no ATM usage fee for making a repayment.

ATM Repayment Procedures and Important Notes

Select “Credit Card” or “Repayment” 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 (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 repayment that includes an amount less than ¥1,000.

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: ATM Deposit Service｜JACCS Shopping & Cashing

Important Information and Cautions for Using JACCS 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 web member service “Intercom Club.” If your limit is ¥0, you cannot use the service. You can also apply for a credit limit increase through Intercom Club, 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 JACCS 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 “Intercom Club” 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 JACCS.
・Your card payments are overdue.
First, check your usage status on the web member service “Intercom Club.” If the issue is not resolved, please contact the JACCS Customer Center.

Source: Automated Voice Telephone Service｜JACCS

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

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

A1. On Intercom Club and your statement, it will be listed under usage details like “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 GINKO).

Q2. When and how will I be charged the ATM fee?

A2. The ATM fee will be debited from your account along with your cash advance 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 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 for the full amount of a Cash Advance Revolving Payment at a convenience store ATM?

A4. No, you cannot. Repayment at a convenience store ATM is only available for “partial” repayment of a Cash Advance Revolving Payment. To make a full early repayment of a revolving balance, you must apply through the web member service “Intercom Club” or by phone and then repay via bank transfer.

Q5. Can I use a co-branded card (like the Yokohama Invitation Card) in the same way?

A5. Yes, if it is a co-branded card issued by JACCS and has a cash advance limit, you can borrow money using the same procedures and fees described in this article. However, the rules for early repayment at convenience store ATMs (only partial repayment of revolving payments is possible) also apply.

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 JACCS website for announcements before use.

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

A7. No, the cash advance amount, ATM fees, and interest are not eligible for points under the JACCS card’s point program (such as Lovely 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 web member service “Intercom Club.” After you apply, a prescribed screening process will be conducted.

Last Updated: June 20, 2025