The Sumitomo Mitsui 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. A key feature is the ability to make extra repayments (early repayments) for “Cash Advance Revolving Payments” at convenience store ATMs. However, there are important points to know in advance, such as the fact that early repayment for “Cash Advance One-Time Payment” is not possible at convenience store ATMs. This article provides a detailed explanation of how to use the cash advance feature with your Sumitomo Mitsui 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 Sumitomo Mitsui Card Cash Advance
- [By Convenience Store] Sumitomo Mitsui Card Cash Advance Details: Fees, Hours, and Operating Procedures
- Guide to Repaying Your Sumitomo Mitsui Card Cash Advance at Convenience Store ATMs
- Important Information and Cautions for Using Sumitomo Mitsui Card at Convenience Store ATMs
- Q&A on Sumitomo Mitsui Card Cash Advance at Convenience Store ATMs
- Q1. If I use a cash advance at a convenience store ATM, how will it appear on Vpass 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. Can I make an extra repayment for a Cash Advance One-Time Payment at a convenience store ATM?
- Q5. Can I use Sumitomo Mitsui Card (NL) or Gold (NL) 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 V Points?
- Q8. Can I apply for the Overseas Cash Service later?
A Comprehensive Guide to Convenience Store ATMs for Sumitomo Mitsui Card Cash Advance
If you have a cash advance credit limit set on your Sumitomo Mitsui 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)
Sumitomo Mitsui Card (Visa, Mastercard) 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
Sumitomo Mitsui Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support Sumitomo Mitsui Card cash advance (borrowing) and extra repayments (deposits) for Cash Advance Revolving Payments. You will need your physical Sumitomo Mitsui Card and the 4-digit PIN you have set.
Using Cash Advance at Overseas Convenience Store ATMs
Sumitomo Mitsui Card can also be used for cash advances abroad (Overseas Cash Service). 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] Sumitomo Mitsui Card Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using Sumitomo Mitsui 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 Sumitomo Mitsui Card Co., Ltd. or each ATM operator for the latest information.
Using Sumitomo Mitsui Card at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Extra repayment (deposit) for Cash Advance Revolving
ATM Fees for Cash Advance (Borrowing) and Repayment (Deposit)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Sumitomo Mitsui 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 Sumitomo Mitsui 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 Sumitomo Mitsui Card at Lawson (Lawson Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Extra repayment (deposit) for Cash Advance Revolving
ATM Fees for Cash Advance (Borrowing) and Repayment (Deposit)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Sumitomo Mitsui 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 Sumitomo Mitsui Card at Family Mart (E-net ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Extra repayment (deposit) for Cash Advance Revolving
ATM Fees for Cash Advance (Borrowing) and Repayment (Deposit)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Guide to Convenience Store ATMs | Sumitomo Mitsui VISA Card
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 Sumitomo Mitsui Card at Ministop (AEON Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Extra repayment (deposit) for Cash Advance Revolving
ATM Fees for Cash Advance (Borrowing) and Repayment (Deposit)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Guide to Convenience Store ATMs | Sumitomo Mitsui VISA 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 Sumitomo Mitsui Card Cash Advance at Convenience Store ATMs
Caution: Extra Repayment at Convenience Store ATMs Is Only for Cash Advance Revolving
The most important point about Sumitomo Mitsui Card cash advance repayment is that extra repayments (early repayments) at convenience store ATMs are only possible for “Cash Advance Revolving” balances. You cannot make an early repayment for an amount used with “Cash Advance One-Time Payment” at a convenience store ATM.
Early Repayment Method 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 apply through the members-only site “Vpass” or by phone, and then repay via bank transfer. If you apply through Vpass, the repayment amount and the transfer account details can be confirmed on-screen. You will be responsible for any bank transfer fees.
[For Cash Advance Revolving] Repayment-Compatible Convenience Store ATMs and Fees
Extra 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 will 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,” then “Deposit (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
Extra repayments at convenience store 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 typically takes 3 to 5 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 to Make Extra Repayments for Cash Advance Revolving | Sumitomo Mitsui VISA Card
Important Information and Cautions for Using Sumitomo Mitsui 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 site “Vpass” or the Vpass app. You can also apply for a credit limit increase through Vpass, 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 Sumitomo Mitsui 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 (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 extra 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 Vpass or by phone (automated voice response). 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 Vpass. If the issue is not resolved, please contact the Information Desk listed on the back of your card.
Source: Customer Support | Sumitomo Mitsui VISA Card
Q&A on Sumitomo Mitsui Card Cash Advance at Convenience Store ATMs
Q1. If I use a cash advance at a convenience store ATM, how will it appear on Vpass and my statement?
A1. On Vpass and your statement, it will be listed under a description like “Cash Advance” or “Overseas Cash Service,” and will show the date of use, amount, and the name of the financial institution operating the ATM (e.g., Seven Bank ATM).
Q2. When and how will I be charged the ATM fee?
A2. The ATM usage fee will be debited from your account along with your card charges on the payment date two or three months after the month of use.
Q3. What are the closing date and payment date (debit date) for cash advances?
A3. The payment date depends on your registered account and is either the 10th or the 26th of each month. For the 10th payment date, the closing date is the 15th of the previous month. For the 26th payment date, the closing date is the last day of the previous month. You can check your specific closing and payment dates on Vpass.
Q4. Can I make an extra repayment for a Cash Advance One-Time Payment at a convenience store ATM?
A4. No, you cannot. Extra repayments at convenience store ATMs are only available for “Cash Advance Revolving.” To make an early repayment for a “Cash Advance One-Time Payment,” you must apply through Vpass and complete the procedure via bank transfer.
Q5. Can I use Sumitomo Mitsui Card (NL) or Gold (NL) in the same way?
A5. Yes, numberless cards like Sumitomo Mitsui Card (NL) and Sumitomo Mitsui Card Gold (NL) can be used in exactly the same way. The procedures, fees, and repayment rules for cash advance are also the same.
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 from the usual. However, operating hours may be altered due to special system maintenance.
Q7. Is the cash advance amount eligible for earning V Points?
A7. No, the cash advance amount, ATM fees, and interest are not eligible for earning V Points.
Q8. Can I apply for the Overseas Cash Service later?
A8. Yes, you can. You can apply to set a credit limit for the Overseas Cash Service through the members-only site “Vpass.” After you apply, a prescribed screening process will be conducted.
Last Updated: June 25, 2025