The Aplus 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, unlike many other credit cards, there are important points to be aware of in advance, such as the fact that it does not support early repayment at convenience store ATMs at all. This article provides a detailed explanation of how to use the cash advance feature with your Aplus 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 Aplus Card Cash Advance
- [By Convenience Store] Aplus Card Cash Advance Details: Fees, Hours, and Operating Procedures
- Aplus Card Cash Advance Repayment Guide: Convenience Store ATM Compatibility
- Important Information and Cautions for Using Aplus Card at Convenience Store ATMs
- Q&A on Aplus 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 at a convenience store ATM?
- Q5. Can I use a Shinsei Aplus Card or various co-branded cards 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 Aplus Points?
- Q8. Can I apply for the cash advance service later?
A Comprehensive Guide to Convenience Store ATMs for Aplus Card Cash Advance
If you have a cash advance credit limit set on your Aplus Card in advance, you can immediately start using the cash advance service (borrowing) 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)
Aplus Card (Visa, Mastercard, JCB) 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
Aplus Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support Aplus Card cash advance (borrowing). However, repayment (deposits) is not possible at any convenience store ATMs. You will need your physical Aplus Card and the 4-digit PIN you have set to use the cash advance service.
Using Cash Advance at Overseas Convenience Store ATMs (Visa/Mastercard/JCB Compatibility)
Aplus Card can also be used for cash advances abroad. Depending on your card’s international brand, you can use it at ATMs displaying the “PLUS” logo for Visa, “Cirrus” for Mastercard, or “JCB” for JCB. You will also need your PIN when using it overseas, so be sure to confirm it before your trip.
[By Convenience Store] Aplus Card Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using Aplus 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 Aplus or each ATM operator for the latest information.
Using Aplus 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: Aplus Card (Aplus) 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 Aplus’s maintenance hours.
Cash Advance Operating Procedures at the ATM
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your Aplus 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 Aplus 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: Aplus 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 if it overlaps with Aplus’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 Aplus 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: Aplus 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 Aplus’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 Aplus 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: Partner CD/ATM List | Aplus – SBI Shinsei Bank Group
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.
Aplus 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 Aplus Card cash advance repayment is that it does not support early repayment (deposits) at convenience store ATMs at all. While you can borrow money, you cannot repay it there, so a different procedure is required if you want to repay before the payment date.
Basic Repayment Method: Automatic Debit from Your Registered Account
Repayments for 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: Bank Transfer (Advance Contact Required)
The only way to repay a cash advance before the payment date to save on interest is by bank transfer. This procedure requires you to contact Aplus by phone in advance.
Early Repayment Application Procedure (Phone Contact)
Call the call center (Aplus Financial) listed on the back of your card and state that you wish to make an early repayment for a cash advance. The operator will inform you of the total repayment amount, including interest up to your desired repayment date, and the designated bank account for the transfer.
Confirming the Transfer Account and Important Notes for Transferring
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, and you should follow any instructions, such as adding your member number to the remitter’s name.
Timing for Credit Line Restoration After Repayment
It may take several business days for the repaid information from a 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.
Source: [Credit Card] Can I make an early repayment for my cash advance? (in Japanese)
Important Information and Cautions for Using Aplus 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 “My APLUS.” If your limit is ¥0, you cannot use the service. You can also apply for a limit increase through the web service, but a prescribed screening process will be conducted.
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 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 Aplus Card varies depending on the card type and screening, and is set within a range of 12.00% 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 “My APLUS” or by phone (automated voice response service). 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 Aplus.
・Your card payments are overdue.
First, check your usage status on My APLUS. If the issue is not resolved, please contact the call center listed on the back of your card.
Source: Contact Us | Aplus – SBI Shinsei Bank Group
Q&A on Aplus 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/ATM” or “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 on the payment date of the following month or the month after, combined with your shopping charges and other fees.
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 at a convenience store ATM?
A4. This is due to Aplus’s system and operational specifications. Therefore, if you wish to make an early repayment, the procedure requires a prior phone call and a subsequent bank transfer.
Q5. Can I use a Shinsei Aplus Card or various co-branded cards in the same way?
A5. Yes, if you have a credit card issued by Aplus, such as the Shinsei Aplus Card or V Point Card Plus, you can use it in the same way with the procedures and fees described in this article, provided a cash advance limit has been set. The fact that repayment cannot be made at convenience store ATMs is 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 Aplus website for announcements before use.
Q7. Is the cash advance amount eligible for Aplus Points?
A7. No, the cash advance amount, ATM fees, and interest are not eligible for earning Aplus Points.
Q8. Can I apply for the cash advance service later?
A8. Yes, you can. You can apply to set (add) a cash advance limit through the Web Member Service “My APLUS.” After you apply, a prescribed screening process will be conducted.
Last Updated: June 29, 2025