The Seven 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, there are important points regarding the repayment method, such as that early repayment for “Cash Advance One-Time Payment” cannot be done at convenience store ATMs. This article provides a detailed explanation of how to use the cash advance feature with your Seven 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 Seven Card Cash Advance
- [By Convenience Store] Seven Card Cash Advance Details: Fees, Hours, and Operating Procedures
- Guide to Repaying Your Seven Card Cash Advance at Convenience Store ATMs
- Important Information and Cautions for Using Seven Card at Convenience Store ATMs
- Q&A on Seven 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 make a lump-sum repayment for a Cash Advance One-Time Payment at a convenience store ATM?
- Q5. Is there a difference in service between Seven Card Plus and Seven Card?
- 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 nanaco points?
- Q8. Can I set or change my cash advance limit later?
A Comprehensive Guide to Convenience Store ATMs for Seven Card Cash Advance
If you have a cash advance credit limit set on your Seven 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)
Seven Card (JCB) can be used for cash advance services (borrowing) at the following major convenience store ATMs across Japan.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- Ministop: AEON Bank ATM
Seven Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
The convenience store ATMs listed above all support Seven Card cash advance (borrowing). In addition, “lump-sum repayment (early repayment)” for Cash Advance Revolving Payments is also possible. You will need your physical Seven Card and the 4-digit PIN you have set.
Using Cash Advance at Overseas Convenience Store ATMs
Seven Card can also be used for cash advances abroad. You can use it at ATMs displaying the logo of the card’s international brand (JCB). You will also need your PIN when using it overseas, so be sure to confirm it before your trip.
[By Convenience Store] Seven Card Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using Seven 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 Seven Card Services Co., Ltd. or each ATM operator for the latest information.
Using Seven Card at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Lump-sum repayment (early repayment) of Cash Advance Revolving Payment
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
*There is no fee for making a lump-sum repayment for a Cash Advance Revolving Payment at a Seven Bank ATM.
Source: Seven Card (Seven Card Services) 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.
Cash Advance Operating Procedures at the ATM
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your Seven 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 Seven Card at Lawson (Lawson Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Lump-sum repayment (early repayment) of Cash Advance Revolving Payment
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: How to Use｜Seven Card
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 during these times.
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 Seven Card at Family Mart (E-net ATM)
Main Available Transactions
Seven Card cannot be used.
Using Seven Card at Ministop (AEON Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Lump-sum repayment (early repayment) of Cash Advance Revolving Payment
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: How to Use｜Seven 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 Seven Card Cash Advance at Convenience Store ATMs
Caution: “Lump-sum Repayment” is only for Cash Advance Revolving Payments (not for One-Time Payments)
The most important point about Seven Card cash advance repayment is that early repayment (lump-sum repayment) at a convenience store ATM is only possible for amounts used with “Cash Advance Revolving Payment.” You cannot make an early repayment for amounts used with “Cash Advance One-Time Payment” at a convenience store ATM.
How to Make Early Repayment for Cash Advance One-Time Payment (Bank Transfer)
If you wish to repay an amount used with “Cash Advance One-Time Payment” before the scheduled payment date, you must contact the Seven Card call center by phone. After contacting them, you will be informed of the repayment amount, including interest up to the repayment date, and the designated bank account for transfer. You will repay by transferring the funds to the specified account. You are responsible for any bank transfer fees.
[For Revolving Payments] Repayment-Compatible Convenience Store ATMs and Fees
Lump-sum repayment of a Cash Advance Revolving Payment is possible at Seven Bank ATMs, Lawson Bank ATMs, and AEON Bank ATMs.
Repayment is Fee-Free at Seven Bank ATMs
When you use a Seven Bank ATM to make a lump-sum repayment for a Cash Advance Revolving Payment, the ATM usage fee is free. While there is a fee for borrowing, you can make repayments without any fee.
ATM Repayment Procedures and Important Notes
- Select “Credit Card” from the Seven Bank ATM menu.
- Select “Credit Transaction” → “Repayment.”
- 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 Seven Bank 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
The repaid information is typically reflected in your available credit line within 2-4 business days. Be aware that your limit will not be restored immediately if you plan to use the service again soon.
Source: Lump-sum Repayment｜Seven Card
Important Information and Cautions for Using Seven 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 member-only site “MyJCB” or the official app. 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 restrictions, such as being able to withdraw only up to ¥200,000 or up to 50 bills 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 Seven Card 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 (366 in a leap year) × 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.
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 card company.
・Your card payments are overdue.
First, check your usage status on MyJCB. If the issue is not resolved, please contact the call center listed on the back of your card.
Source: Customer Support｜Seven Card
Q&A on Seven 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. On your statement, it will be listed under usage details like “Cash Advance Service,” and will show the date of use, amount, and the name of the financial institution operating the ATM you used (e.g., Seven Bank ATM).
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 amount on the payment date of the following month.
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 a lump-sum repayment for a Cash Advance One-Time Payment at a convenience store ATM?
A4. No, you cannot. Lump-sum repayment (early repayment) at a convenience store ATM is only available for “Cash Advance Revolving Payment.” To make an early repayment for a “Cash Advance One-Time Payment,” you must contact the call center and complete the procedure via bank transfer.
Q5. Is there a difference in service between Seven Card Plus and Seven Card?
A5. Currently, new applications are only for Seven Card Plus, but you can continue to use your existing Seven Card. The cash advance services described in this article (fees, available ATMs, repayment methods, etc.) are basically the same for both cards.
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, ATM operating hours may be altered due to special system maintenance during periods like the New Year’s or Golden Week holidays. Please check the official websites of each ATM for the latest information before use.
Q7. Is the cash advance amount eligible for earning nanaco points?
A7. No, the cash advance amount, ATM fees, and interest are not eligible for earning nanaco 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 member-only site “MyJCB.” After you apply, a prescribed screening process will be conducted.
Last Updated: June 22, 2025