The Resona Bank Card Loan is a highly convenient service that allows you to borrow or make prepayments when needed through affiliated convenience store ATMs nationwide. While the basic repayment method is an automatic account debit on the 5th of each month, you can also make prepayments at any time using convenience store ATMs. However, there are points to be aware of in advance, such as the fact that a prescribed fee is charged for using convenience store ATMs, and that Ministop (AEON Bank ATMs) cannot be used. This article provides a detailed explanation of how to use the Resona 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 repayment mechanism, important notes, and what to do if you are unable to use the service.
- A Comprehensive Guide to Convenience Store ATMs for Resona Bank Card Loan Borrowing and Repayment
- [By Convenience Store] Resona Bank Card Loan Borrowing & Repayment Details: Fees, Hours, and Operating Procedures
- Guide to Resona Bank Card Loan Repayment: Prepayments at Convenience Store ATMs and Automatic Debits
- Important Information and Precautions for Using the Resona Bank Card Loan at Convenience Store ATMs
- 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
- Keeping and Checking Your ATM Transaction Receipts
- Q&A on Resona 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 prepayment 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. Are the fees and operating hours the same during the New Year’s holidays and public holidays?
- Q5. Where can I check my borrowing and repayment history?
- Q6. Can I use a convenience store ATM without a card (e.g., with a smartphone app)?
- Q7. Is it possible to change my monthly scheduled repayment date (the 5th)?
- Q8. Can I cancel a transaction in the middle of an ATM operation?
A Comprehensive Guide to Convenience Store ATMs for Resona Bank Card Loan Borrowing and Repayment
The Resona Bank Card Loan allows you to use borrowing and prepayment services at major convenience store ATMs near you by using the cash card associated with your loan contract. First, let’s clarify 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 Resona Bank Card Loan is partnered with ATMs located in the following convenience stores, allowing for borrowing and prepayments.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- Family Mart: E-net ATM (*excluding some stores)
Resona 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 Resona Bank Card Loan. To use them, you will need your Resona Bank cash card, which is designated as your repayment account, 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 Resona Bank Card Loan. Therefore, you cannot use the Resona 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 prepayments (voluntary repayments).
[By Convenience Store] Resona 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 Resona Bank Card Loan at each convenience store ATM.
*Information is current as of July 2025. Please check the official websites of Resona Bank or each ATM operator for the latest information.
Using Resona 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: How to Borrow with Card Loan | Resona Bank / Saitama Resona Bank
ATM Availability and Maintenance Information
In principle, it is available 24/7, 365 days a year, but the service is unavailable during Resona Bank’s system maintenance times.
ATM Borrowing Procedures
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your Resona Bank cash 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 Resona Bank cash 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 Resona 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: How to Borrow with Card Loan | Resona Bank / Saitama Resona Bank
ATM Availability and Maintenance Information
Lawson Bank ATMs are also operational nearly 24 hours a day, but the service is unavailable during Resona 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” and select “Card Loan Repayment.” Follow the on-screen instructions to insert your card and deposit the repayment amount.
Using Resona Bank Card Loan at Family Mart (E-net 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: How to Borrow with Card Loan | Resona Bank / Saitama Resona Bank
ATM Availability and Maintenance Information
E-net ATMs are also available almost 24 hours a day, but the service is also unavailable during Resona 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 Resona Bank Card Loan at Ministop (AEON Bank ATM)
You cannot use the Resona Bank Card Loan at AEON Bank ATMs.
Guide to Resona Bank Card Loan Repayment: Prepayments at Convenience Store ATMs and Automatic Debits
Types of Repayment: “Monthly Automatic Debit” and “Prepayment”
There are two types of repayment for the Resona Bank Card Loan: “Monthly Automatic Debit,” where payment is made automatically on a set date, and “Prepayment,” which is an additional payment made at any time.
Standard Repayment Method: Automatic Debit on the 5th of Each Month (Scheduled Repayment)
The standard repayment method for the Resona Bank Card Loan is “Scheduled Repayment,” where the payment is automatically debited from your designated repayment savings account on the 5th of each month (or the next business day if the 5th is a bank holiday). The debit amount (scheduled repayment amount) is determined by the outstanding balance as of the 5th of the previous month.
Prepayments (Voluntary Repayments) at Partner Convenience Store ATMs
Repayments made from a convenience store ATM or a Resona Bank ATM fall under “Prepayments.” This is an additional repayment method for paying down the principal ahead of schedule when you have extra funds.
Rules and Benefits of Prepayments
The amount you prepay is directly applied to the principal. By reducing the principal faster, you can expect to reduce the total amount of future interest payments and shorten the loan’s term. It is important to note that even if you make a prepayment, the scheduled repayment (automatic debit) on the 5th of each month will still be carried out as usual.
Timing for Credit Line Restoration After ATM Repayment
The amount you prepay 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 Repayment Date and Amount
The scheduled repayment date is fixed on the 5th of every month. You can check your monthly repayment amount on the Resona Group App or My Gate (internet banking).
Source: How to Repay Your Card Loan | Resona Bank / Saitama Resona Bank
Important Information and Precautions for Using the Resona Bank Card 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 Resona Group App, My Gate, or on an ATM transaction receipt. If you wish to increase your limit, you can apply through My Gate 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 Resona Bank Card Loan is set within a range of 1.45% to 13.65% 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 for your cash card is required for ATM use. If you forget it, you will need to complete the reset procedure at a Resona 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 Resona Bank.
・Your scheduled payments are overdue.
If the issue is not resolved, please contact a Resona Bank branch or call center.
Source: Contact Us (For Individual Customers) | Resona 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 Resona 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 prepayment at an ATM, will my next automatic debit (scheduled repayment) still occur?
A2. Yes, it will. A prepayment at an ATM is a voluntary payment separate from the scheduled repayment (automatic debit) on the 5th 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 Resona Bank does not have a card loan usage partnership with AEON Bank. The use of the Resona Bank Card Loan is limited to Resona Bank ATMs and its partner ATMs, such as 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 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 before use.
Q5. Where can I check my borrowing and repayment history?
A5. You can check your borrowing and repayment history by logging into the Resona Group App or My Gate (internet banking). You can also check your most recent transactions on the receipt 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 Resona Bank Card Loan does not support ATM transactions using a smartphone app (Cardless ATM). You must have your physical cash card to make transactions at a convenience store ATM.
Q7. Is it possible to change my monthly scheduled repayment date (the 5th)?
A7. No, you cannot. The scheduled repayment date for the Resona Bank Card Loan is fixed on the 5th of each month and cannot be changed.
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 11, 2025