The “VIP Loan Card” offered by DOCOMO FINANCE can be used for borrowing and repayments at affiliated ATMs in convenience stores nationwide. The ability to complete transactions at a nearby convenience store when you need cash for a sudden expense or are approaching a repayment deadline is a major advantage. However, it’s important to be aware that fees may apply depending on the convenience store ATM and the transaction amount, and there are specific operating hours. This article provides a comprehensive guide, from details on using the VIP Loan Card at major convenience store ATMs (Seven-Eleven, Lawson, etc.) to how to use the cardless “Smartphone ATM” service.
- A Comprehensive Guide to Convenience Store ATMs for the VIP Loan Card
- [By Store] Detailed Guide to VIP Loan Card ATM Use: Borrowing/Repayment Fees & Hours
- A Complete Guide to Borrowing & Repaying with the Cardless “Smartphone ATM”
- General Points of Caution When Using the VIP Loan Card at Convenience Store ATMs
- Transaction Limits: Per-Transaction and Daily Borrowing/Repayment Caps
- Handling of Coins: Repayments at Convenience Store ATMs are in ¥1,000 Increments (Banknotes Only)
- Handling of Change: Repayments in ¥1,000 Increments and Deposit Balance (Non-Interest-Bearing Balance) Processing
- Checking System Maintenance Times: Official Site and ATM Information
- PIN Management and Security: For Safe ATM Use
- Q&A on Using the VIP Loan Card at Convenience Store ATMs
- Q1. If I make a repayment at a convenience store ATM, will my available credit be restored immediately?
- Q2. Can I use the Smartphone ATM at convenience stores other than Seven-Eleven and Lawson?
- Q3. Is there a way to save on convenience store ATM fees?
- Q4. Can I borrow or repay at convenience store ATMs during the New Year’s or long holiday weekends?
- Q5. What should I do if I want to repay a balance of less than ¥1,000 at a convenience store ATM?
- Q6. My VIP Loan Card isn’t working at a convenience store ATM. What could be the cause?
- Q7. Are the “DOCOMO FINANCE Official App” and the “d Smartphone Loan App” different?
- Q8. Will my ATM transaction statements be mailed to my home?
A Comprehensive Guide to Convenience Store ATMs for the VIP Loan Card
The VIP Loan Card can be used at a wide network of affiliated financial institutions and convenience store ATMs across Japan. Here, we’ll outline which convenience stores offer services for the VIP Loan Card.
Availability at Major Convenience Stores (Seven-Eleven & Lawson)
The ATMs located in major convenience stores are particularly frequently used for VIP Loan Card borrowing and repayments. The following two companies have a large number of stores nationwide, making them highly convenient partners.
- Seven-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
VIP Loan Card Compatibility at Seven Bank and Lawson Bank ATMs
Both Seven Bank ATMs and Lawson Bank ATMs support borrowing and repayments with the VIP Loan Card. As they are generally available 24 hours a day, they can be used flexibly according to the user’s schedule. Furthermore, these two ATMs also support “Smartphone ATM” transactions, which do not require a card and are extremely convenient.
Other Affiliated Convenience Store ATMs (FamilyMart, Ministop, etc.)
In addition to Seven-Eleven and Lawson, the VIP Loan Card is also affiliated with ATMs located in the following convenience stores.
- FamilyMart, etc.: E-net ATM, Japan Post Bank ATM
- Ministop, etc.: AEON Bank ATM
Availability at E-net, AEON Bank, and Japan Post Bank ATMs
VIP Loan Card transactions are also possible at E-net ATMs located in stores like FamilyMart and Daily Yamazaki, AEON Bank ATMs in Ministop, and Japan Post Bank ATMs in some FamilyMart stores. However, since some stores may not have an ATM or may have a non-affiliated ATM, it is best to check before visiting.
[By Store] Detailed Guide to VIP Loan Card ATM Use: Borrowing/Repayment Fees & Hours
From here, we will provide a detailed explanation of the fees, available hours, and main services for conducting VIP Loan Card transactions at each convenience store ATM.
*All fees include tax. Information is current as of July 2025. Please check the official websites of DOCOMO FINANCE or each ATM operator for the latest information.
Using the VIP Loan Card at Seven-Eleven (Seven Bank ATM)
Available Transactions
- Borrowing
- Repayment
Borrowing & Repayment Fees: Tiered by Transaction Amount
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
*Borrowing ¥50,000 or more is free of charge.
Source: DOCOMO FINANCE ATM Service | Seven Bank
ATM Availability and Maintenance Information
Seven Bank ATMs are generally available 24/7, but they cannot be used during DOCOMO FINANCE’s system maintenance periods. Additional temporary system maintenance may also occur.
Using the VIP Loan Card at Lawson (Lawson Bank ATM)
Available Transactions
- Borrowing
- Repayment
Borrowing & Repayment Fees: Tiered by Transaction Amount
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
*Borrowing ¥50,000 or more is free of charge.
Source: DOCOMO FINANCE | Lawson Bank
ATM Availability and Maintenance Information
Lawson Bank ATMs are also generally available 24 hours a day, but transactions cannot be made during DOCOMO FINANCE’s system maintenance hours. Additionally, the ATMs themselves may undergo unscheduled maintenance.
Use at FamilyMart (E-net ATM), Ministop (AEON Bank ATM), etc.
Overview of Fees and Hours at Each Affiliated ATM
You can also borrow and repay with your VIP Loan Card at E-net ATMs in stores like FamilyMart and AEON Bank ATMs in Ministop. The fees are the same as at Seven Bank and Lawson Bank ATMs, costing ¥110 or ¥220 depending on the transaction amount. While generally available 24 hours a day, they cannot be used during DOCOMO FINANCE’s regular maintenance periods.
Source: Available ATMs | Affiliated CD/ATMs | DOCOMO FINANCE Members Net Counter
A Complete Guide to Borrowing & Repaying with the Cardless “Smartphone ATM”
DOCOMO FINANCE offers a “Smartphone ATM” service that allows you to borrow from and repay at convenience store ATMs using only your smartphone, even if you don’t have your VIP Loan Card with you. This is a convenient feature for when you aren’t carrying your card or for unexpected needs.
What is Smartphone ATM? Cardless Transactions Using the “DOCOMO FINANCE Official App”
Smartphone ATM is a service that allows you to perform cardless transactions by scanning a QR code displayed on a compatible convenience store ATM with the “DOCOMO FINANCE Official App”. It is currently available at Seven Bank ATMs and Lawson Bank ATMs.
[For Seven Bank & Lawson Bank ATMs] Smartphone ATM Borrowing & Repayment Steps
Preparation: Downloading and Setting Up the “DOCOMO FINANCE Official App”
To use the Smartphone ATM, you must first install the “DOCOMO FINANCE Official App” on your smartphone and log in. In the app, select the “Smartphone ATM” menu and choose the transaction type (borrowing or repayment) to prepare for QR code scanning.
ATM Operation Flow: How to Scan the ATM Screen’s QR Code with the App
- Start the ATM Operation: Go to a Seven Bank or Lawson Bank ATM. On the main screen, select “Withdrawal, Deposit, Credit Transactions, etc.” at a Seven Bank ATM, or “Smartphone Transaction” at a Lawson Bank ATM.
- Scan the QR Code: Use the “DOCOMO FINANCE Official App” on your smartphone to scan the QR code displayed on the ATM screen.
- Enter Corporate Number and PIN: Enter the “Corporate Number” displayed in the app onto the ATM screen, followed by your 4-digit VIP Loan Card PIN.
- Enter Amount and Complete Transaction: Enter the desired amount for borrowing or repayment and confirm the details to complete the transaction. Collect your cash and the transaction receipt.
Smartphone ATM Fees and Transaction Limits
The fees for using the Smartphone ATM are the same as when using a VIP Loan Card. A fee of ¥110 is charged for transactions of ¥10,000 or less, and ¥220 for transactions over ¥10,000. The transaction limit is also the same as with a card transaction, within your personal contract credit limit.
Common Reasons and Solutions for Smartphone ATM Not Working
If you are unable to use the Smartphone ATM, the following reasons are possible:
・It is during DOCOMO FINANCE’s system maintenance window (every Monday from 12:00 AM to 7:00 AM).
・ATM communication error or maintenance.
・The app version is outdated.
・Poor QR code reading (due to a dirty smartphone camera lens, screen brightness, etc.).
・Incorrect PIN entry.
First, try updating the app to the latest version and try again. If the issue persists, wait a while or consider contacting the DOCOMO FINANCE call center.
Source: Smartphone ATM | DOCOMO FINANCE Official App | DOCOMO FINANCE Members Net Counter
General Points of Caution When Using the VIP Loan Card at Convenience Store ATMs
Transaction Limits: Per-Transaction and Daily Borrowing/Repayment Caps
In addition to your personal contract credit limit, convenience store ATMs have their own transaction limits. For example, Seven Bank ATMs and Lawson Bank ATMs have a withdrawal/deposit limit of ¥500,000 per transaction. If you wish to transact a larger amount, you will need to do it in multiple transactions or consider other repayment methods.
Handling of Coins: Repayments at Convenience Store ATMs are in ¥1,000 Increments (Banknotes Only)
All affiliated convenience store ATMs do not accept coin deposits. Repayments must be made in ¥1,000 banknote increments. Therefore, you cannot pay off a loan in full at a convenience store ATM if the balance includes an amount less than ¥1,000.
Handling of Change: Repayments in ¥1,000 Increments and Deposit Balance (Non-Interest-Bearing Balance) Processing
When making a repayment at a convenience store ATM, if you deposit more than your outstanding balance, you will not receive change on the spot. The overpaid amount is treated as a “deposit balance (non-interest-bearing balance)” and will be applied to your next repayment, or you can request a refund via bank transfer from your member page. If you want to repay the exact amount down to the last yen, you must use methods like internet repayment or bank transfer.
Checking System Maintenance Times: Official Site and ATM Information
The VIP Loan Card service has regular system maintenance, during which all ATM transactions are unavailable. Additionally, each convenience store ATM may have its own temporary maintenance, so be cautious when using them late at night or early in the morning.
PIN Management and Security: For Safe ATM Use
When using an ATM, please follow basic security measures, such as covering the keypad with your hand when entering your PIN so others cannot see it. Be aware that if you enter the wrong PIN multiple times in a row, your card or Smartphone ATM service may be temporarily locked. If your account is locked, you will need to contact DOCOMO FINANCE.
Q&A on Using the VIP Loan Card at Convenience Store ATMs
Q1. If I make a repayment at a convenience store ATM, will my available credit be restored immediately?
A1. Yes, in principle, it will be reflected in your available credit immediately. You can check your latest available credit on the DOCOMO FINANCE official app or the member page right after completing the repayment.
Q2. Can I use the Smartphone ATM at convenience stores other than Seven-Eleven and Lawson?
A2. No, you cannot. As of 2025, the VIP Loan Card’s Smartphone ATM service is only compatible with “Seven Bank ATMs” and “Lawson Bank ATMs”. It cannot be used at E-net ATMs in FamilyMart or AEON Bank ATMs in Ministop.
Q3. Is there a way to save on convenience store ATM fees?
A3. Yes, there is. You can make repayments free of charge by using “Internet Repayment” offered by DOCOMO FINANCE or “Account Transfer,” which automatically deducts the payment from your designated bank account each month. We recommend these methods if you want to avoid fees.
Q4. Can I borrow or repay at convenience store ATMs during the New Year’s or long holiday weekends?
A4. Yes, except for DOCOMO FINANCE’s regular maintenance hours, they are generally available 24 hours a day during New Year’s and public holidays. The fees are also the same as on normal days.
Q5. What should I do if I want to repay a balance of less than ¥1,000 at a convenience store ATM?
A5. Since convenience store ATMs only accept banknotes, you cannot make repayments (or pay off a loan) that include an amount less than ¥1,000. In this case, please use “Internet Repayment,” which allows payments in 1-yen increments, or a “Bank Transfer” to DOCOMO FINANCE’s designated account.
Q6. My VIP Loan Card isn’t working at a convenience store ATM. What could be the cause?
A6. The main possible causes are a faulty magnetic stripe or damaged IC chip on the card, exceeding your credit limit, an incorrect PIN, or using it during maintenance hours. If it still doesn’t work after trying another affiliated ATM, you may need to have your card reissued, so please contact DOCOMO FINANCE.
Q7. Are the “DOCOMO FINANCE Official App” and the “d Smartphone Loan App” different?
A7. Yes, they are completely different apps for separate services. The “DOCOMO FINANCE Official App” is the member app for the VIP Loan Card discussed in this article. On the other hand, the “d Smartphone Loan App” is an app for a different product called “d Smartphone Loan” provided by NTT DOCOMO, INC., so please be careful not to confuse them.
Q8. Will my ATM transaction statements be mailed to my home?
A8. No, they will not be mailed. The only statement for an ATM transaction is the one issued by the ATM at the time of use. Please be sure to take it and keep it in a safe place as proof of your transaction. You can also check your transaction history on the member-only website or the official app.
Last updated: July 1, 2025