How to Borrow and Repay with Mitsubishi UFJ Bank Card Loan “Banquic” at Convenience Store ATMs: Fees, Hours | Guide to 7-Eleven, Lawson, Family Mart, and Ministop Compatibility

Mitsubishi UFJ Bank’s card loan “Banquic” is a convenient service that allows you to easily borrow and repay from ATMs at partner convenience stores nationwide. A particularly attractive feature is that usage fees for partner convenience store ATMs are free. However, there are several points to be aware of beforehand, such as the multiple repayment options and the fact that it cannot be used at Ministop (AEON Bank ATMs). This article provides a detailed explanation of how to use Banquic at convenience store ATMs, covering fees, 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 Banquic Borrowing and Repayment

With the loan card (Banquic Card) issued after your contract is finalized, Banquic 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 and which are not.

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

Banquic is partnered with ATMs located in the following convenience stores, allowing for borrowing and repayment.

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

Banquic Compatibility at Seven Bank, Lawson Bank, and E-net ATMs

ATMs at 7-Eleven, Lawson, and Family Mart (stores with E-net) are partnered with Banquic. To use them, you will need your Banquic Card and the 4-digit PIN you set up when you signed the contract.

Regarding Incompatibility with AEON Bank ATMs (Ministop ATMs)

As a key point, AEON Bank ATMs located in Ministop are not partnered with Banquic. Therefore, you cannot use Banquic for borrowing or repayment at Ministop ATMs at all.

Available Transactions at Each Partner 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 your scheduled monthly payments or additional voluntary repayments.

[By Convenience Store] Banquic Borrowing & Repayment Details: Fees, Hours, and Operating Procedures

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

Using Banquic 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: How to Borrow with Card Loan “Banquic” | Mitsubishi UFJ Bank

ATM Availability and Maintenance Information

Seven Bank ATMs are generally available 24/7, 365 days a year, but the service is unavailable during Banquic’s system maintenance times.

ATM Borrowing Procedures

Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
Insert your Banquic 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 Banquic 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 Banquic 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: How to Borrow with Card Loan “Banquic” | Mitsubishi UFJ Bank

ATM Availability and Maintenance Information

Lawson Bank ATMs are also operational nearly 24 hours a day, but the service is unavailable during Banquic’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 Banquic 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: How to Borrow with Card Loan “Banquic” | Mitsubishi UFJ Bank

ATM Availability and Maintenance Information

E-net ATMs are also available almost 24 hours a day, but the service is also unavailable during Banquic’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 Banquic at Ministop (AEON Bank ATM)

You cannot use Banquic at AEON Bank ATMs.

Guide to Banquic Repayment: Convenience Store ATMs, Automatic Payments, and Bank Transfers

Repayment Options: Automatic Payment, ATM, and Bank Transfer

Banquic offers three repayment methods to suit your lifestyle.

Repayment by Automatic Payment (Account Debit)

This method involves setting up a personal savings account at Mitsubishi UFJ Bank as your repayment account for automatic monthly withdrawals on a specified date. It’s hassle-free and prevents missed payments.

Repayment at Partner Convenience Store ATMs

This method allows you to make deposits directly using your Banquic Card at Seven Bank, Lawson Bank, and E-net ATMs. It is free of charge and allows you to repay at your convenience.

Repayment by Bank Transfer

This method involves transferring funds to a designated Mitsubishi UFJ Bank account. It is suitable for repayments that include change, such as lump-sum payments. You are responsible for any transfer fees.

Choice of Repayment Dates: “Scheduled Monthly Date Repayment” vs. “Repayment Every 35 Days”

With Banquic, you can also choose your repayment cycle.
・Scheduled Monthly Date Repayment: You can designate any day of the month as your repayment date. This is available for all repayment methods: automatic payment, ATM, and bank transfer.
・Repayment Every 35 Days: Your next repayment due date is within 35 days from the day after your last repayment. This method can be chosen if you are repaying by ATM or bank transfer.

Rules for Voluntary Repayment (Additional Repayment) at Convenience Store ATMs

Regarding Additional ATM Repayments with Automatic Payments Set Up

Even if you have “Automatic Payment” set as your repayment method, you can still make additional repayments (voluntary repayments) from a convenience store ATM. Making voluntary repayments helps reduce the principal faster, thus lowering the total interest paid. However, please note that even if you make an additional repayment at an ATM, the scheduled monthly automatic withdrawal will still occur as usual.

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.

How to Check Your Scheduled Payment Date and Minimum Repayment Amount

You can check your scheduled repayment date and monthly minimum repayment amount on the member page. It is recommended to check them periodically for planned use.

Source: How to Repay Card Loan “Banquic” | Mitsubishi UFJ Bank

Important Information and Precautions for Using Banquic 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 page. If you wish to increase your limit, you can also apply from the member page. 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 Banquic is set within a range of 1.4% to 14.6% 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 previous repayment date to the current repayment date, or from the day after the borrowing date to the first 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 will need to contact the Second Retail Account Branch dedicated dial by phone to complete the reset procedure. For security reasons, you cannot be told your PIN directly over the phone.

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 Banquic.
・Your monthly payments are overdue.
First, check your usage status on the member page. If the issue is not resolved, please contact the Second Retail Account Branch dedicated dial.

Source: Card Loan “Banquic” Frequently Asked Questions | Mitsubishi UFJ 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 Banquic Borrowing and Repayment at Convenience Store ATMs

Q1. When and how do I pay the convenience store ATM usage fee?

A1. With Banquic, usage fees for Seven Bank, Lawson Bank, and E-net ATMs are free of charge all day. Therefore, you do not need to pay any fees.

Q2. If I make a repayment at an ATM, is my next scheduled repayment (automatic payment) no longer necessary?

A2. No, it is not. If you have selected “Automatic Payment” as your repayment method, a repayment at an ATM is strictly treated as an “additional repayment (voluntary repayment).” Even if you repay at an ATM, the monthly automatic withdrawal will proceed as usual. If you have set your repayment method to ATM only, then the deposit at the ATM will count as your scheduled repayment.

Q3. Why can’t I use it at Ministop (AEON Bank ATM)?

A3. This is because Mitsubishi UFJ Bank does not have a card loan usage partnership with AEON Bank. The use of Banquic is limited to Mitsubishi UFJ Bank ATMs and its partner ATMs: Seven Bank, Lawson Bank, and E-net ATMs.

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. Be especially cautious during the night of the second Saturday of each month due to regular maintenance.

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

A5. You can check your borrowing and repayment history by logging into the member page. 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, Banquic does not support ATM transactions using a smartphone app (Cardless ATM). You must have your physical Banquic Card to make transactions at a convenience store ATM.

Q7. Is it possible to change the repayment due date (scheduled monthly date / every 35 days) midway?

A7. Yes, it is possible. You can complete the change procedure from the member page. However, depending on the timing of the change, it may not be reflected from the next repayment date, so please check the on-screen instructions carefully when proceeding.

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 4, 2025