The NICOS Card cash advance service is a convenient feature 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 to note about the repayment method. Early repayment at convenience store ATMs is only supported for “Cash Advance Revolving Payment,” and a different procedure is required for “Cash Advance One-Time Payment.” This article provides a detailed explanation of how to use the cash advance feature with your NICOS 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 NICOS Card Cash Advance
- [By Convenience Store] NICOS Card Cash Advance Details: Fees, Hours, and Operating Procedures
- NICOS Card Cash Advance Repayment Guide: Convenience Store ATM Compatibility
- Important Information and Cautions for Using NICOS Card at Convenience Store ATMs
- Checking Your Cash Advance Service Limit and Applying for an Increase
- About Per-Transaction and Daily ATM Limits
- Cash Advance Interest Rate (Annual Percentage Rate) and Interest Calculation Simulation
- Procedure for Inquiring Your PIN If You Forget It
- Possible Reasons and Solutions If You Cannot Use Cash Advance
- Q&A on NICOS 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 web statement or paper 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 for a Cash Advance One-Time Payment at a convenience store ATM?
- Q5. Can I use a NICOS VIASO Card or a general 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 Wakuwaku Present points?
- Q8. Can I apply for the cash advance service later?
A Comprehensive Guide to Convenience Store ATMs for NICOS Card Cash Advance
If you have a cash advance service limit set on your NICOS 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)
NICOS 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
NICOS Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support NICOS Card cash advance (borrowing) and extra repayments (deposits) for Cash Advance Revolving Payments. You will need your physical NICOS Card and the 4-digit PIN you have set.
Using Cash Advance at Overseas Convenience Store ATMs (Check for PLUS mark)
NICOS Card can also be used for cash advances abroad. If your card’s international brand is Visa, you can use it at ATMs displaying the “PLUS” logo, and if it’s Mastercard, the “Cirrus” logo. You will also need your PIN when using it overseas, so be sure to confirm it before your trip.
[By Convenience Store] NICOS Card Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using NICOS 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 Mitsubishi UFJ NICOS or each ATM operator for the latest information.
Using NICOS Card at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Extra repayment (deposit) for Cash Advance Revolving Payment
ATM Fees for Cash Advance (Borrowing) and Repayment (Deposit)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: NICOS Card (Mitsubishi UFJ NICOS) 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. The service is unavailable during Mitsubishi UFJ NICOS’s maintenance hours.
Cash Advance Operating Procedures at the ATM
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your NICOS 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 NICOS Card at Lawson (Lawson Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Extra repayment (deposit) for Cash Advance Revolving Payment
ATM Fees for Cash Advance (Borrowing) and Repayment (Deposit)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: NICOS Card (Mitsubishi UFJ NICOS) | 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 Mitsubishi UFJ NICOS’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 NICOS Card at Family Mart (E-net ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Extra repayment (deposit) for Cash Advance Revolving Payment
ATM Fees for Cash Advance (Borrowing) and Repayment (Deposit)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: NICOS 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 Mitsubishi UFJ NICOS’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 NICOS Card at Ministop (AEON Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Extra repayment (deposit) for Cash Advance Revolving Payment
ATM Fees for Cash Advance (Borrowing) and Repayment (Deposit)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: How to Use NICOS Card at ATMs | Mitsubishi UFJ NICOS
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.
NICOS Card Cash Advance Repayment Guide: Convenience Store ATM Compatibility
Early Repayment at Convenience Store ATMs Is Only for “Cash Advance Revolving Payment”
The most important point about NICOS Card cash advance repayment is that early repayments (deposits) at convenience store ATMs are only possible for “Cash Advance Revolving Payment” balances. You cannot make an early repayment for an amount used with “Cash Advance One-Time Payment” at a convenience store ATM.
Procedure for Early Repayment of Revolving Payments (Partial/Full) at Convenience Store ATMs
You can make an extra repayment (partial or full) for your Cash Advance Revolving Payment balance at partner convenience store ATMs like Seven Bank and Lawson Bank. The procedure can be initiated from buttons like “Repayment” or “Credit Transactions” on the ATM screen. Repayments are in units of ¥1,000 and the machines do not accept coins. If you wish to make a full repayment, you should check the total repayment amount on a web service beforehand.
Early Repayment for “Cash Advance One-Time Payment” is Not Supported at ATMs
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 use the bank transfer procedure described later.
Basic Repayment Method: Automatic Debit from Your Registered Account
Repayments for both one-time and revolving cash advances are automatically debited from your pre-registered bank account on the 27th of each month (or the next business day if it’s a bank holiday). This is billed together with your shopping charges.
Early Repayment Method for One-Time Payment: Bank Transfer (Requires Advance Contact)
If you want to repay a Cash Advance One-Time Payment before the payment date to save on interest, you must do so via bank transfer. This procedure requires you to call in advance.
Early Repayment Application Procedure (Phone Contact)
Call the NICOS Call Center listed on the back of your card and state that you wish to make an early repayment for a Cash Advance One-Time Payment. The operator will inform you of the total repayment amount, including interest up to the repayment date, and the designated bank account for the transfer.
Confirming the Transfer Account and Notes on the Transfer Process
Transfer the specified amount to the designated account provided. You are responsible for any bank transfer fees. The name on the transfer must be that of the cardmember.
Timing for Credit Line Restoration After Repayment
It may take several business days for the repaid information from an ATM or bank transfer 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.
Important Information and Cautions for Using NICOS Card at Convenience Store ATMs
Checking Your Cash Advance Service Limit and Applying for an Increase
To use the cash advance service, a “Cash Advance Service Limit” must be set in advance. You can check your current limit on the Web Member Service “Net Branch.” If your limit is ¥0, you cannot use the service. You can also apply for a limit increase through “Net Branch,” but a prescribed screening process will be conducted.
About Per-Transaction and Daily ATM 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 withdrawing up to ¥200,000 at a time or depositing up to ¥500,000. 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 Interest Calculation Simulation
The cash advance interest rate for NICOS Card varies depending on the card type and screening, and is set within a range of 14.94% to 17.94% 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).
Procedure for Inquiring 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 “Net Branch” or by phone (automated voice response service). After the procedure, a “PIN Notification” document 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 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 “Net Branch.” If the issue is not resolved, please contact the NICOS Call Center listed on the back of your card.
Source: NICOS Card General Inquiries | Mitsubishi UFJ NICOS
Q&A on NICOS 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 web statement or paper statement?
A1. On your web or paper statement, it will be listed under a description like “CD Cashing,” 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 usage fee will be debited from your account along with your cash advance charges 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 27th of the following month (or the next business day if it’s a bank holiday). For example, amounts used by June 30th will be debited on July 27th.
Q4. Why can’t I make an early repayment for a Cash Advance One-Time Payment at a convenience store ATM?
A4. This is due to system specifications. For Cash Advance One-Time Payments, the interest amount changes depending on the repayment date. Therefore, the process requires you to have the exact total repayment amount calculated by the call center and then transfer it to a designated account.
Q5. Can I use a NICOS VIASO Card or a general card in the same way?
A5. Yes, if you have a NICOS brand card issued by Mitsubishi UFJ NICOS (such as the NICOS VIASO Card or NICOS Card General), you can use it in the same way with the same procedures and fees described in this article, provided a cash advance limit has been set. The rules for early repayment at convenience store ATMs are also the same.
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 during long holiday periods like New Year’s or Golden Week due to special system maintenance. It is recommended to check the official Mitsubishi UFJ NICOS website for announcements before use.
Q7. Is the cash advance amount eligible for Wakuwaku Present points?
A7. No, the cash advance amount, ATM fees, and interest are not eligible for points under the NICOS Card point program (such as Wakuwaku Present).
Q8. Can I apply for the cash advance service later?
A8. Yes, you can. You can apply to set (add) a cash advance service limit through the Web Member Service “Net Branch.” After you apply, a prescribed screening process will be conducted.
Last Updated: June 28, 2025