The Mizuho Bank Card Loan is a convenient service that allows you to easily borrow and repay from affiliated convenience store ATMs nationwide. It is compatible with Seven Bank ATMs, Lawson Bank ATMs, and E-net ATMs. A key feature is the ability to use the service economically, for instance, by utilizing the benefits of the “Mizuho Mileage Club” to waive E-net ATM usage fees. On the other hand, there are important points to know in advance, such as the rule where the first repayment date changes depending on the borrowing date, and the fact that Ministop (AEON Bank ATMs) cannot be used. This article provides a detailed explanation of how to use the Mizuho Bank Card Loan 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 the characteristic repayment rules, conditions for fee waivers, important notes, and what to do if you are unable to use the service.
- A Comprehensive Guide to Convenience Store ATMs for Mizuho Bank Card Loan Borrowing and Repayment
- [By Convenience Store] Mizuho Bank Card Loan Borrowing & Repayment Details: Fees, Hours, and Operating Procedures
- Guide to Mizuho Bank Card Loan Repayment: Voluntary Repayments at Convenience Store ATMs and Automatic Debits
- Important Information and Precautions for Using the Mizuho Bank Card Loan at Convenience Store ATMs
- [Fee Waivers] How to Utilize Mizuho Mileage Club Benefits
- How to Check Your Credit Limit and Apply for an Increase
- Per-Transaction and Daily ATM Limits
- Borrowing Interest Rate (Annual Percentage Rate) and How to Calculate Interest
- How to Inquire/Reset Your PIN If You Forget It
- Possible Reasons and Solutions If You Cannot Use Your Card at an ATM
- Q&A on Mizuho Bank Card Loan Borrowing and Repayment at Convenience Store ATMs
- Q1. When and how do I pay the convenience store ATM usage fee?
- Q2. If I make a voluntary repayment at an ATM, will my next automatic debit (scheduled repayment) still occur?
- Q3. Why can’t I use it at Ministop (AEON Bank ATM)?
- Q4. When do the Mizuho Mileage Club’s ATM fee waiver benefits take effect?
- Q5. Are the fees and operating hours the same during the New Year’s holidays and public holidays?
- Q6. Where can I check my borrowing and repayment history?
- Q7. Can I use a convenience store ATM without a card?
- Q8. Can I cancel a transaction in the middle of an ATM operation?
A Comprehensive Guide to Convenience Store ATMs for Mizuho Bank Card Loan Borrowing and Repayment
With the dedicated loan card or the combined cash/loan card issued after your contract is finalized, the Mizuho Bank Card 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 and which are not.
Overview of Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)
The Mizuho Bank Card Loan 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)
Mizuho Bank Card Loan 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 the Mizuho Bank Card Loan. To use them, you will need your loan card (or combined cash/loan card) and your 4-digit PIN.
Regarding Incompatibility with AEON Bank ATMs (Ministop ATMs)
As a key point, AEON Bank ATMs located in Ministop are not partnered with the Mizuho Bank Card Loan. Therefore, you cannot use the Mizuho Bank Card Loan 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 voluntary repayments (additional repayments).
[By Convenience Store] Mizuho Bank Card 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 Mizuho Bank Card Loan at each convenience store ATM.
*All fees include tax. Information is current as of July 2025. Please check the official websites of Mizuho Bank or each ATM operator for the latest information.
Using Mizuho Bank Card Loan at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Borrowing (Withdrawal)
- Repayment (Deposit)
ATM Fees for Borrowing and Repayment
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | 110 yen |
| Over ¥10,000 | 220 yen |
Source: Convenience Store ATM Operating Hours and Fees | Mizuho Bank
ATM Availability and Maintenance Information
In principle, it is available 24/7, 365 days a year, but the service is unavailable during Mizuho Bank’s system maintenance times.
ATM Borrowing Procedures
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your Mizuho Bank Card 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 Mizuho Bank Card 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 Mizuho Bank Card Loan at Lawson (Lawson Bank ATM)
Main Available Transactions
- Borrowing (Withdrawal)
- Repayment (Deposit)
ATM Fees for Borrowing and Repayment
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | 110 yen |
| Over ¥10,000 | 220 yen |
Source: Convenience Store ATM Operating Hours and Fees | Mizuho Bank
ATM Availability and Maintenance Information
Lawson Bank ATMs are also operational nearly 24 hours a day, but the service is unavailable during Mizuho 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.
Using Mizuho Bank Card Loan at Family Mart (E-net ATM)
Main Available Transactions
- Borrowing (Withdrawal)
- Repayment (Deposit)
ATM Fees for Borrowing and Repayment (Eligible for Mizuho Mileage Club Benefits)
In principle, the following fees apply. However, if you meet the conditions for the Mizuho Mileage Club benefits, the fee will be waived up to 3 times per month, starting from the month after next.
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | 110 yen |
| Over ¥10,000 | 220 yen |
Source: Convenience Store ATM Operating Hours and Fees | Mizuho Bank
ATM Availability and Maintenance Information
E-net ATMs are also available almost 24 hours a day, but the service is also unavailable during Mizuho 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 the “Deposit” menu on the screen and follow the instructions to make your deposit.
Guide to Mizuho Bank Card Loan Repayment: Voluntary Repayments at Convenience Store ATMs and Automatic Debits
Standard Repayment Method: Automatic Debit on the 10th of Each Month (Scheduled Repayment)
The standard repayment method for the Mizuho Bank Card Loan is “Scheduled Repayment,” where the payment is automatically debited from your designated repayment savings account on the 10th of each month (or the next business day if the 10th is a bank holiday). The debit amount (scheduled repayment amount) is determined by the outstanding balance as of the 10th of the previous month.
Voluntary Repayments at Partner Convenience Store ATMs
Repayments made from a convenience store ATM are “Voluntary Repayments,” which are separate from the scheduled repayments. You can make additional repayments at any time when you have extra funds.
Rules and Benefits of Voluntary Repayments
The amount you repay voluntarily is first applied to the interest payment, and the remainder is applied to the principal. Since this directly reduces the principal, it can be effective in reducing the total interest paid and shortening the repayment period. It is important to note that even if you make a voluntary repayment, the scheduled repayment (automatic debit) on the 10th of each month will still be carried out 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.
[Important] The First Scheduled Repayment Date Varies Depending on the Borrowing Date
With the Mizuho Bank Card Loan, the date of your first scheduled repayment (automatic debit) differs depending on the date you first borrowed. Understanding this rule is crucial for planning your repayments.
Repayment Start Month for Borrowing Between the 1st and 10th of a Month
If you first borrow between the 1st and 10th of any month, your first scheduled repayment will start on the 10th of the following month.
(e.g.) Borrow on July 5th → Repayments start on August 10th
Repayment Start Month for Borrowing on or after the 11th of a Month
If you first borrow between the 11th and the end of any month, your first scheduled repayment will start on the 10th of the month after next.
(e.g.) Borrow on July 15th → Repayments start on September 10th
How to Check Your Scheduled Repayment Amount
You can check your monthly scheduled repayment amount via Mizuho Direct (internet banking) or at a Mizuho Bank ATM.
Source: Card Loan Repayment Methods | Mizuho Bank
Important Information and Precautions for Using the Mizuho Bank Card Loan at Convenience Store ATMs
[Fee Waivers] How to Utilize Mizuho Mileage Club Benefits
By joining the Mizuho Mileage Club and meeting certain conditions, you can receive fee waivers for convenience store ATMs.
Condition for Benefits (Card Loan Balance at the End of the Month)
The condition for receiving benefits is simple: having an outstanding Mizuho Bank Card Loan balance at the end of the month. Meeting this condition will make you eligible for the benefits.
How E-net ATM Fees are Waived up to 3 Times a Month
If you have an outstanding loan balance at the end of the month, your E-net ATM (located in Family Mart, etc.) usage fees will be waived up to 3 times per month, starting from the month after next. For example, if you have a balance at the end of July, the E-net ATM usage fees for transactions between September 1st and September 30th will be waived up to 3 times. It is important to remember this “month after next” time lag.
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, via Mizuho Direct (internet banking) or on an ATM transaction receipt. If you wish to increase your limit, you can apply through Mizuho Direct or by phone. 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 Mizuho Bank Card Loan is set within a range of 2.0% to 14.0% 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
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 complete the procedure at a Mizuho Bank branch. For security reasons, you cannot be told your PIN directly over the phone or internet.
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 Mizuho Bank.
・Your scheduled payments are overdue.
If the issue is not resolved, please contact a Mizuho Bank branch or call center.
Source: Mizuho Bank Card Loan | Mizuho Bank
Q&A on Mizuho Bank Card Loan Borrowing and Repayment at Convenience Store ATMs
Q1. When and how do I pay the convenience store ATM usage fee?
A1. The convenience store ATM usage fee is paid at the time of the transaction. For borrowing, the total of the withdrawn amount and the fee is added to your outstanding balance. For repayment, the fee is deducted from your deposited amount, and the remaining balance is applied to the repayment.
Q2. If I make a voluntary repayment at an ATM, will my next automatic debit (scheduled repayment) still occur?
A2. Yes, it will. A voluntary repayment at an ATM is an additional payment separate from the scheduled repayment (automatic debit) on the 10th of each month. Therefore, even if you repay at an ATM, the next scheduled repayment will be debited from your designated account as usual.
Q3. Why can’t I use it at Ministop (AEON Bank ATM)?
A3. This is because Mizuho Bank does not have a card loan usage partnership with AEON Bank. The use of the Mizuho Bank Card Loan is limited to Mizuho Bank ATMs and its partner ATMs, such as Seven Bank, Lawson Bank, and E-net ATMs.
Q4. When do the Mizuho Mileage Club’s ATM fee waiver benefits take effect?
A4. The benefits take effect from the “month after next.” For example, if you meet the condition of having an outstanding card loan balance at the end of July, the fee waiver will apply to transactions from September 1st to September 30th.
Q5. Are the fees and operating hours the same during the New Year’s holidays and public holidays?
A5. The fees are uniform regardless of the day of the week or 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 website for announcements, especially during the New Year’s holiday period.
Q6. Where can I check my borrowing and repayment history?
A6. You can check your borrowing and repayment history by logging into Mizuho Direct (internet banking). You can also check your most recent transactions on the receipt issued when you use an ATM.
Q7. Can I use a convenience store ATM without a card?
A7. No, you cannot. As of July 2025, the Mizuho Bank Card Loan does not support ATM transactions using a smartphone app (Cardless ATM). You must have your physical loan card or combined cash/loan card to make transactions at a convenience store ATM.
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 calmly press the cancel button.
Last Updated: July 6, 2025