The Pocket 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, like many other credit cards, it does not support early repayment at convenience store ATMs. This article provides a detailed explanation of how to use the cash advance feature with your Pocket 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 Pocket Card Cash Advance
- [By Convenience Store] Pocket Card Cash Advance Details: Fees, Hours, and Operating Procedures
- Pocket Card Cash Advance Repayment Guide: Convenience Store ATM Compatibility
- Important Information and Cautions for Using Pocket Card at Convenience Store ATMs
- Q&A on Pocket 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 members-only web service 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. Why can’t I make an early repayment at a convenience store ATM?
- Q5. Can I use other cards issued by Pocket Card, like the FamilyMart T Card or P-one Card, in the same way?
- 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 Pocket Points?
- Q8. Can I set or change my cash advance limit later?
A Comprehensive Guide to Convenience Store ATMs for Pocket Card Cash Advance
If you have a cash advance credit limit set on your Pocket 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)
Pocket Card (JCB, Visa, Mastercard) cash advance services (borrowing) 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
- Ministop: AEON Bank ATM
Pocket Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support Pocket Card cash advance (borrowing). However, early repayment (deposits) for cash advances is not possible at any of these convenience store ATMs. You will need your physical Pocket Card and the 4-digit PIN you have set.
Using Cash Advance at Overseas Convenience Store ATMs
Pocket Card can also be used for cash advances abroad. You can use it at ATMs displaying the logo of your card’s international brand (JCB, 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] Pocket Card Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using Pocket 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 Pocket Card Co., Ltd. or each ATM operator for the latest information.
Using Pocket Card at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Pocket 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 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 Pocket 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 Pocket Card at Lawson (Lawson Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Pocket Card | 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 during these periods.
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 Pocket Card at Family Mart (E-net ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Pocket Card (FamiMa Credit) | 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.
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 Pocket Card at Ministop (AEON Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Cash Advance at CDs/ATMs | Pocket Card Co., Ltd.
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.
Pocket Card Cash Advance Repayment Guide: Convenience Store ATM Compatibility
Important: Early Repayment for Cash Advance is Not Supported at Convenience Store ATMs
The most important point regarding Pocket Card cash advance repayment is that you cannot make any early repayment (deposit) transactions at any convenience store ATM, including Seven Bank, Lawson Bank, E-net, or AEON Bank. Repayment of amounts used for cash advance must be done using the methods described below.
Basic Repayment Method: Automatic Debit from Your Registered Account
The amount used for cash advance is automatically debited from your pre-registered bank account on the monthly payment date, along with your shopping charges. This is the standard repayment method.
Early Repayment Method: Bank Transfer to a Designated Account
If you wish to repay before the scheduled payment date to reduce the amount of interest you pay (early repayment), you must do so via bank transfer. This procedure requires you to apply in advance.
Early Repayment Application Procedure (Phone / Members-Only Web Service)
If you wish to make an early repayment, you can apply through the members-only web service or by calling the Information Center listed on the back of your card. Whether via web or phone, you will proceed by providing your desired repayment date and amount (full or partial).
Confirming the Transfer Account and Important Notes for Transferring
After completing the application, you will be informed of the exact repayment amount, including interest up to the desired repayment date, and Pocket Card’s designated bank account for the transfer. You will then transfer the notified amount to the designated account. Please note that you are responsible for any bank transfer fees.
Timing for Credit Line Restoration After Repayment
When you make an early repayment via bank transfer, your available credit line will be restored after Pocket Card has confirmed receipt of the payment. This usually takes several business days, so your limit will not be restored immediately after repayment.
Source: Can I repay my credit card bill from a bank ATM? | Pocket Card FAQ (in Japanese)
Important Information and Cautions for Using Pocket 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. You can also apply for a credit limit increase through the members-only web service, 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 (Annual Percentage Rate) for Pocket Card varies depending on the card type and screening, and is set within a range of 14.95% to 17.95% APR. Interest is calculated on a daily basis using the following formula:
Interest = Amount Borrowed × Annual Percentage Rate ÷ 365 days (or 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 the members-only web service 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 on the spot.
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 the card company.
・Your card payments are overdue.
First, check your usage status on the members-only web service. If the issue is not resolved, please contact the Information Center.
Source: Contact Us | Pocket Card Co., Ltd.
Q&A on Pocket 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 members-only web service and my statement?
A1. On the members-only web service and your statement, it will be listed under a description like “CD/ATM (Domestic 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 will be debited from your account along with your cash advance amount on the monthly payment date.
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 1st of the month after next (or the next business day if it’s a bank holiday). For example, amounts used by June 30th will be debited on August 1st.
Q4. Why can’t I make an early repayment at a convenience store ATM?
A4. This is due to Pocket Card’s system specifications. The company’s repayment channels are limited to automatic debits and pre-arranged bank transfers, and repayment functionality at partner ATMs is not offered.
Q5. Can I use other cards issued by Pocket Card, like the FamilyMart T Card or P-one Card, in the same way?
A5. Yes, if you have a credit card issued by Pocket Card Co., Ltd., such as a FamilyMart T Card (with credit function) or a P-one Card, you can generally use it in the same way as described in this article, provided a cash advance limit has been set.
Q6. Are the fees and operating hours the same during New Year’s holidays and public holidays?
A6. As long as the ATM is operational, you can use cash advance during New Year’s and public holidays, and the fees do not change. However, operating hours may be altered due to special system maintenance.
Q7. Is the cash advance amount eligible for earning Pocket Points?
A7. No, the cash advance amount, ATM fees, and interest are not eligible for earning Pocket 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. After you apply, a prescribed screening process will be conducted.
Last Updated: June 25, 2025