The TOKYU 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 to be aware of beforehand, such as that early repayment at convenience store ATMs is only supported for “Cash Advance Revolving Payments,” while “Cash Advance One-Time Payments” require a different procedure. This article provides a detailed explanation of how to use the cash advance feature with your TOKYU 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 TOKYU CARD Cash Advance
- [By Convenience Store] TOKYU CARD Cash Advance Details: Fees, Hours, and Operating Procedures
- Guide to Repaying Your TOKYU CARD Cash Advance: Convenience Store ATM Compatibility
- Important Information and Cautions for Using TOKYU CARD at Convenience Store ATMs
- Q&A on TOKYU 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 TOKYU POINT 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 for a Cash Advance One-Time Payment at a convenience store ATM?
- Q5. Can I use a TOKYU CARD ClubQ JMB PASMO (integrated 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 TOKYU POINTs?
- Q8. Can I apply for the cash advance service later?
A Comprehensive Guide to Convenience Store ATMs for TOKYU CARD Cash Advance
If you have a cash advance credit limit set on your TOKYU 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)
TOKYU CARD (Visa, Mastercard) can be used for cash advance services 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
TOKYU CARD Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support TOKYU CARD for cash advance (borrowing) and early repayment (deposit) for Cash Advance Revolving Payments. You will need your physical TOKYU CARD and the 4-digit PIN you have set to use these services.
Using Cash Advance at Overseas Convenience Store ATMs (Visa/Mastercard Brand Compatibility)
TOKYU 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 or the “Cirrus” logo for Mastercard. You can use ATMs at convenience stores overseas if they display these logos. Be sure to confirm your PIN before your trip.
[By Convenience Store] TOKYU CARD Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using TOKYU 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 TOKYU CARD or each ATM operator for the latest information.
Using TOKYU CARD at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment (deposit) of 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: TOKYU TOP Card (TOKYU 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. You cannot use the service during TOKYU CARD’s maintenance hours.
Cash Advance Operating Procedures at the ATM
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your TOKYU 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 TOKYU CARD at Lawson (Lawson Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment (deposit) of 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: TOKYU 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 TOKYU CARD’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 TOKYU CARD at Family Mart (E-net ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment (deposit) of 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: Domestic Cash Advance Service | TOKYU CARD – Earn points on trains and shopping
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 TOKYU CARD’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 TOKYU CARD at Ministop (AEON Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
- Early repayment (deposit) of 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: Available Credit Cards, etc. | ATM | AEON Bank
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 TOKYU CARD Cash Advance: Convenience Store ATM Compatibility
Early Repayment at Convenience Store ATMs Is Only for “Cash Advance Revolving Payments”
The most important point about TOKYU CARD cash advance repayment is that early repayment (deposit) at a convenience store ATM is limited to the outstanding balance of “Cash Advance Revolving Payments.” Amounts used with “Cash Advance One-Time Payment” cannot be repaid early at a convenience store ATM.
Operating Procedures for Revolving Payment Early Repayment (Partial/Full) at Convenience Store ATMs
You can make an extra repayment (partial or full) on your Cash Advance Revolving Payment balance at a partner convenience store ATM. To do this, select the “Repayment” or “Credit Transaction” button on the ATM screen. Repayments can be made in units of ¥1,000 and ATMs do not accept coins. If you wish to make a full repayment, you should check the total repayment amount on the 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 follow the bank transfer procedure described later.
Basic Repayment Method: Automatic Debit from Registered Bank Account
For both one-time and revolving payments, repayments are automatically debited from your pre-registered bank account on the 10th 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 Cash Advance One-Time Payment: Bank Transfer (Requires Prior Contact)
If you want to repay your 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 contact them by phone in advance.
Early Repayment Application Procedure (Phone Contact)
Call the Information Desk listed on the back of your card and state that you wish to make an early repayment for your Cash Advance One-Time Payment.
How to Confirm the Transfer Amount and Bank Account Details
The operator will provide you with the total repayment amount, including interest calculated up to the repayment date, and the bank account details for the transfer. Follow these instructions to transfer the specified amount. You will be responsible for any bank transfer fees.
Timing for Credit Line Restoration After Repayment
It may take several business days for the repaid information to be reflected in your available credit line after repaying at an ATM or by bank transfer. 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 TOKYU 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 “TOKYU POINT Web Service.” If your limit is ¥0, you cannot use the service. You can also apply for a credit limit increase through the 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 for TOKYU CARD is typically set at 18.0% 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 start the inquiry process from the “PIN Inquiry/Change” section of the “TOKYU POINT Web 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 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 card issuer.
・Your card payments are overdue.
First, check your usage status on the TOKYU POINT Web Service. If the issue is not resolved, please contact the Information Desk listed on the back of your card.
Source: Contact Us | TOKYU CARD – Earn points on trains and shopping
Q&A on TOKYU 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 TOKYU POINT Web Service and my statement?
A1. On the TOKYU POINT Web Service and your statement, it will be listed under a description like “CD (Cash Advance)” 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 fee will be debited from your account along with your cash advance payment on your monthly payment date.
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 between June 16th and July 15th will be debited on August 10th.
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 an early repayment of a Cash Advance One-Time Payment, the daily interest changes depending on the repayment date. Therefore, the procedure requires you to contact the Information Desk to calculate the exact total repayment amount and then transfer it to a designated bank account.
Q5. Can I use a TOKYU CARD ClubQ JMB PASMO (integrated card) in the same way?
A5. Yes, if a cash advance limit is set, all credit cards issued by TOKYU CARD, such as the TOKYU CARD ClubQ JMB PASMO (integrated card) and various partner cards, can be used in the same way with the procedures and fees explained in this article. 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 due to temporary system maintenance during periods like the New Year’s or Golden Week holidays. It is recommended to check the official TOKYU CARD website for announcements before use.
Q7. Is the cash advance amount eligible for earning TOKYU POINTs?
A7. No, the cash advance amount, ATM fees, and interest are not eligible for earning TOKYU 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 from the “TOKYU POINT Web Service.” After you apply, a prescribed screening process will be conducted.
Last Updated: July 1, 2025