How to Borrow and Repay with Rakuten Bank Super Loan at Convenience Store ATMs: Fees, Hours | Guide to 7-Eleven, Lawson, Family Mart, and Ministop Compatibility

The Rakuten Bank Super Loan is a convenient card loan that allows you to easily borrow and repay funds from ATMs at convenience stores nationwide. A significant advantage is that usage fees for partner ATMs are free. However, there are rules you should know in advance, such as the fact that repayments are primarily handled by account debit, and ATM repayments are treated as “voluntary repayments.” This article provides a detailed explanation of how to use the Rakuten Bank Super Loan at convenience store ATMs, covering compatibility, operating hours, and procedures for major convenience stores (7-Eleven, Lawson, Family Mart, and Ministop). It also comprehensively explains correct repayment methods, important notes, and what to do if you are unable to use the service.

A Comprehensive Guide to Convenience Store ATMs for Rakuten Bank Super Loan Borrowing and Repayment

With the loan card issued after your contract is finalized, the Rakuten Bank Super Loan allows you to use borrowing and repayment services at major convenience store ATMs near you. First, let’s review which convenience store ATMs are compatible.

Overview of Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)

The Rakuten Bank Super Loan is partnered with ATMs located in the following major convenience stores across Japan, allowing for borrowing and repayment.

7-Eleven: Seven Bank ATM
Lawson: Lawson Bank ATM
Family Mart: E-net ATM (*excluding some stores)
Ministop: AEON Bank ATM

Rakuten Bank Super Loan Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs

All of the convenience store ATMs listed above are partnered with the Rakuten Bank Super Loan. To use them, you will need your loan card and the 4-digit PIN you set up when you signed the contract.

Available Transactions at Each ATM

The following transactions are generally available at all partner convenience store ATMs.

Borrowing: You can withdraw cash within your credit limit.
Repayment: You can make voluntary repayments (additional repayments) separate from your scheduled monthly payments.

[By Convenience Store] Rakuten Bank Super Loan Borrowing & Repayment Details: Fees, Hours, and Operating Procedures

From here, we will detail the fees, available hours, and basic operating procedures for using the Rakuten Bank Super Loan at each convenience store ATM.
*Information is current as of July 2025. Please check the official websites of Rakuten Bank or each ATM operator for the latest information.

Using Rakuten Bank Super Loan at 7-Eleven (Seven Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge. There are no fees for either borrowing or repayment.

Source: Rakuten Bank Super Loan ATM Service | Seven Bank

ATM Availability and Maintenance Information

Seven Bank ATMs are generally available 24/7, 365 days a year, but system maintenance may occur during late-night hours. The service is also unavailable during Rakuten Bank’s maintenance times.

ATM Borrowing Procedures

Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
Insert your Rakuten Bank Super Loan card into the ATM.
Select the “Withdrawal (Borrowing)” button.
Enter your 4-digit PIN.
Enter the desired borrowing amount.
Confirm the details and receive your cash, card, and transaction receipt.

ATM Repayment Procedures

Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
Insert your Rakuten Bank Super Loan card into the ATM.
Select the “Deposit (Repayment)” button.
Enter your 4-digit PIN.
Insert bills for the amount you wish to repay. (Coins are not accepted)
Confirm the details and receive your card and transaction receipt.

Using Rakuten Bank Super Loan at Lawson (Lawson Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge. There are no fees for either borrowing or repayment.

Source: Rakuten Bank Super Loan (Card Loan) Partner ATM Information – Rakuten Bank

ATM Availability and Maintenance Information

Lawson Bank ATMs are also operational nearly 24 hours a day, but have maintenance during late-night hours. The service is also unavailable during Rakuten Bank’s maintenance times.

ATM Borrowing Procedures

The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions, starting with “Withdrawal.”

ATM Repayment Procedures

Start the transaction from “Deposit.” Follow the on-screen instructions to insert your card and deposit the repayment amount in thousand-yen increments.

Using Rakuten Bank Super Loan at Family Mart (E-net ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge. There are no fees for either borrowing or repayment.

Source: Rakuten Super Loan | 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 Rakuten Bank’s maintenance hours.

ATM Borrowing Procedures

The operating procedure is largely the same as for other convenience store ATMs. Follow the on-screen instructions to complete the transaction.

ATM Repayment Procedures

Start the process from a menu item like “Deposit” or “Repayment” and follow the instructions to make your deposit.

Using Rakuten Bank Super Loan at Ministop (AEON Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge. There are no fees for either borrowing or repayment.

Source: Rakuten Bank Super Loan (Card Loan) Partner ATM Information – Rakuten 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.

ATM Borrowing Procedures

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.

ATM Repayment Procedures

From the “Deposit” menu, follow the on-screen instructions to insert your card and make a deposit.

Guide to Rakuten Bank Super Loan Repayment: Convenience Store ATMs and Other Methods

Primary Repayment Method: Account Debit (Automatic Withdrawal)

The standard monthly repayment (scheduled repayment) for the Rakuten Bank Super Loan is handled by automatic withdrawal from your registered repayment account. You can choose your monthly withdrawal date from the 1st, 12th, 20th, or 27th of the month. However, the 27th can only be selected if your registered repayment account is a Rakuten Bank account.

Voluntary Repayment at Convenience Store ATMs

Repayments made from a convenience store ATM are treated as “voluntary repayments,” separate from the monthly automatic withdrawal. This is an additional repayment method for paying down the principal ahead of schedule when you have extra funds.

Merits and Cautions of Voluntary Repayment

Making a voluntary repayment reduces the principal faster, which can lower the total amount of interest you pay. However, even if you make a voluntary repayment at a convenience store ATM, your scheduled monthly account debit will proceed as usual. It is important to note that an ATM repayment does not replace the scheduled repayment.

Timing for Credit Line Restoration After ATM Repayment

The amount you repay at an ATM will be added to your available credit as soon as it is reflected in the system. This usually happens immediately after repayment, but it may take some time depending on the time of day.

Repayment via Bank Transfer

In addition to convenience store ATMs, voluntary repayments can also be made via bank transfer. This method is used when you want to repay an amount that includes change, such as for a lump-sum payment. You will be responsible for any transfer fees.

How to Check the Bank Account Information and Important Notes

You can find the bank account information for transfers on the member-only site, “Members’ Desk.” When making a transfer, be sure to use your name as the cardholder for the remitter name.

How to Check Your Scheduled Payment Date and Amount

You can check your scheduled repayment date (withdrawal date) and monthly payment amount on the member-only site, “Members’ Desk.” It is recommended to check them periodically for planned use.

Source: Card Loan Repayment & Repayment Methods｜Rakuten Bank

Important Information and Precautions for Using Rakuten Bank Super Loan at Convenience Store ATMs

How to Check Your Credit Limit and Apply for an Increase

You can check your credit limit, which is the maximum amount you can borrow, on the member-only site “Members’ Desk.” If you wish to increase your limit, you can also apply from “Members’ Desk.” After you apply, a prescribed screening process will be conducted.

Per-Transaction and Daily ATM Limits

In addition to your own credit limit, each ATM has its own per-transaction limit. For example, there may be a restriction, such as being able to withdraw only up to ¥500,000 at a time. If you wish to make a larger transaction, you will need to do so in multiple steps.

Borrowing Interest Rate (Annual Percentage Rate) and How to Calculate Interest

The interest rate for the Rakuten Bank Super Loan is set within a range of 1.9% to 14.5% APR, depending on your contract. Interest is calculated on a daily basis using the following formula:
Interest = Outstanding Balance × 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 repayment date.

How to Inquire/Reset Your PIN If You Forget It

A 4-digit PIN is required for ATM use. If you forget it, you must request a reissue from the member-only site “Members’ Desk.” For security reasons, you cannot be told your PIN directly over the phone or by email.

Possible Reasons and Solutions If You Cannot Use Your Card at an ATM

If you are unable to use your card at an ATM, the following reasons are possible:
・You have exceeded your credit limit.
・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 Rakuten Bank.
・Your monthly payments are overdue.
First, check your usage status on “Members’ Desk.” If the issue is not resolved, please contact the Card Center.

Source: Contact Us｜Rakuten Bank

Keeping and Checking Your ATM Transaction Receipts

When you use an ATM, a transaction receipt is issued. This contains important records of the transaction, such as the date and time, transaction amount, and post-transaction balance. It is recommended that you check the details for accuracy and keep the receipt for a certain period.

Q&A on Rakuten Bank Super Loan Borrowing and Repayment at Convenience Store ATMs

Q1. Are the convenience store ATM usage fees really free?

A1. Yes, they are free. The Rakuten Bank Super Loan offers free usage fees for borrowing and repayment at partner convenience store ATMs, including Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs, all day long.

Q2. If I make a voluntary repayment at an ATM, will the next account debit (scheduled repayment) still occur?

A2. Yes, it will. Repayments at a convenience store ATM are strictly “voluntary repayments (additional repayments)” and do not replace the monthly “scheduled repayment.” No matter how much you repay at an ATM, the prescribed amount will be withdrawn from your account on the scheduled debit date.

Q3. Can I make early repayments or a lump-sum repayment at a convenience store ATM?

A3. Partial early repayments (voluntary repayments) are possible. However, since convenience store ATMs only accept deposits in thousand-yen increments and do not accept coins, you cannot make a lump-sum repayment (full repayment) that requires payment in one-yen increments. If you wish to make a lump-sum repayment, please check the total repayment amount on Members’ Desk and use a bank transfer.

Q4. Are the fees and operating hours the same during the New Year’s holidays and public holidays?

A4. The fees are free even during the New Year’s holidays and public holidays. Operating hours also generally follow the calendar, but there may be times when the service is unavailable due to temporary system maintenance. It is recommended to check the official Rakuten Bank website for announcements before use.

Q5. Where can I check my borrowing and repayment history?

A5. You can check your borrowing and repayment history on the member-only site “Members’ Desk.” In addition to checking statements online, you can also check the transaction receipts issued when you use an ATM.

Q6. Can I use a convenience store ATM without a card (e.g., with a smartphone app)?

A6. No, you cannot. As of July 2025, the Rakuten Bank Super Loan does not support ATM transactions using a smartphone app (Cardless ATM). You must have your physical loan card to make transactions at a convenience store ATM.

Q7. Is it possible to change my monthly repayment date (withdrawal date)?

A7. Yes, it is possible. You need to submit a Scheduled Repayment Date Change Form, so please contact the Rakuten Bank Card Center. Depending on the timing of the procedure, the change may be reflected from the repayment date two months later.

Q8. Can I cancel a transaction in the middle of an ATM operation?

A8. Yes, you can. Before you confirm the amount and before the cash or receipt is dispensed, you can cancel the transaction by pressing the “Cancel” (とりけし) button on the ATM screen. If you are unsure how to proceed, just press the cancel button.

Last Updated: July 3, 2025