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

The SBI Shinsei Bank Card Loan is a highly convenient service that allows you to borrow and repay from major convenience store ATMs nationwide free of charge. A significant advantage for users is that there are absolutely no fees at any affiliated ATMs, including those at 7-Eleven, Lawson, Family Mart, and Ministop. It is also characterized by its flexibility, making it easy to plan repayments through unique rules such as allowing the current month’s payment to be made from 14 days before the due date, and the freedom to make prepayments at any time. This article provides a detailed explanation of how to use the SBI Shinsei Bank Card Loan at convenience store ATMs, covering fees, operating hours, and procedures for each major convenience store. It also comprehensively explains the characteristic repayment rules, important notes, and what to do if you are unable to use the service.

A Comprehensive Guide to Convenience Store ATMs for SBI Shinsei Bank Card Loan Borrowing and Repayment

The SBI Shinsei Bank Card Loan allows you to use borrowing and repayment services at ATMs located in nearby convenience stores using the loan card issued after your contract is finalized. 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 SBI Shinsei Bank Card Loan is partnered with ATMs located in the following major convenience stores, allowing for borrowing and repayment. You can utilize the nationwide ATM network free of charge.

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

SBI Shinsei Bank Card Loan Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs

The SBI Shinsei Bank Card Loan is compatible with all ATMs in the four major convenience store chains: 7-Eleven, Lawson, Family Mart, and Ministop. To use them, you will need the loan card issued by SBI Shinsei Bank 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 your scheduled monthly payments or voluntary prepayments.

[By Convenience Store] SBI Shinsei 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 SBI Shinsei Bank Card Loan at each convenience store ATM.
*Information is current as of July 2025. Please check the official websites of SBI Shinsei Bank or each ATM operator for the latest information.

Using SBI Shinsei Bank Card Loan at 7-Eleven (Seven Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge at all times. There are absolutely no fees for either borrowing or repayment.

Source: Partner ATMs (SBI Shinsei Bank Card Loan) – Card Loan | SBI Shinsei Bank

ATM Availability and Maintenance Information

In principle, it is available 24/7, 365 days a year, but the service is unavailable during SBI Shinsei Bank’s system maintenance times.

ATM Borrowing Procedures

Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
Insert your SBI Shinsei Bank 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 SBI Shinsei Bank 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 SBI Shinsei Bank Card Loan at Lawson (Lawson Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

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

Source: Partner ATMs (SBI Shinsei Bank Card Loan) – Card Loan | SBI Shinsei Bank

ATM Availability and Maintenance Information

Lawson Bank ATMs are also operational nearly 24 hours a day, but the service is unavailable during SBI Shinsei 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 SBI Shinsei Bank Card Loan at Family Mart (E-net ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

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

Source: Partner ATMs (SBI Shinsei Bank Card Loan) – Card Loan | SBI Shinsei Bank

ATM Availability and Maintenance Information

E-net ATMs are also available almost 24 hours a day, but the service is also unavailable during SBI Shinsei 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.

Using SBI Shinsei Bank Card Loan at Ministop (AEON Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

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

Source: Partner ATMs (SBI Shinsei Bank Card Loan) – Card Loan | SBI Shinsei Bank

ATM Availability and Maintenance Information

AEON Bank ATMs are also available almost 24 hours a day, but the service is unavailable during SBI Shinsei Bank’s maintenance hours.

ATM Borrowing Procedures

Similar to other convenience store ATMs, operate by following the on-screen instructions from the “Withdrawal” menu.

ATM Repayment Procedures

Select the “Deposit” menu, insert your card, and then deposit the repayment amount.

Guide to SBI Shinsei Bank Card Loan Repayment: Flexible Repayment at Convenience Store ATMs

Basic Rules for Repayment at Convenience Store ATMs

The SBI Shinsei Bank Card Loan allows for extremely flexible repayments using convenience store ATMs. Let’s understand and utilize the basic rules.

[Important] Current Month’s Scheduled Repayment is Possible from 14 Days Before the Due Date

The most distinctive rule of the SBI Shinsei Bank Card Loan is that you can make the current month’s scheduled repayment starting from 14 days before the actual due date. For example, if your repayment date is the 27th of each month, any deposit made at an ATM between the 13th and the 27th of that month will be treated as that month’s scheduled repayment. This allows you to complete your payment early at a convenient time, such as on your payday.

Prepayments (Voluntary Repayments) Can Also Be Made Freely on Other Dates

If you make a repayment at an ATM more than 14 days before your due date, it will be treated as a “prepayment (voluntary repayment).” This payment is applied to the principal, which helps reduce the total interest paid. However, since this is not considered the scheduled repayment for the current month, you will still need to make your scheduled repayment separately within the repayment period (from 14 days before to the day of your due date).

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.

Other Repayment Methods: Account Transfer and Bank Transfer

In addition to repayment at convenience store ATMs, you can also repay via “account transfer” (automatic debit from a designated financial institution account) or “bank transfer” to a designated account.

How to Check Your Scheduled Repayment Date and Amount

You can check your monthly scheduled repayment date and amount by logging into the members-only page.

Source: Repayment (SBI Shinsei Bank Card Loan) – Card Loan | SBI Shinsei Bank

Important Information and Precautions for Using the SBI Shinsei 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 members’ page or on an ATM transaction receipt. If you wish to increase your limit, you can apply from the members’ page 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 SBI Shinsei Bank Card Loan is set within a range of 4.5% to 14.8% 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 contact them 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 SBI Shinsei Bank.
・Your payments are overdue.
If the issue is not resolved, please contact the call center.

Source: Customer Support | SBI Shinsei 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 SBI Shinsei Bank Card Loan Borrowing and Repayment at Convenience Store ATMs

Q1. Are convenience ATM usage fees really always free?

A1. Yes, they are free. With the SBI Shinsei Bank Card Loan, usage fees for partner convenience store ATMs (Seven Bank ATM, Lawson Bank ATM, E-net ATM, and AEON Bank ATM) are free of charge all day for both borrowing and repayment, regardless of the day of the week or time.

Q2. What happens if I repay at an ATM more than 14 days before my due date?

A2. That repayment will be treated as a “prepayment (voluntary repayment)” and applied to your principal. It will not be considered the scheduled repayment for that month, so you will need to make another scheduled repayment for that month within the repayment period (from 14 days before to the day of your due date).

Q3. If I repay at an ATM, will the scheduled account debit still happen?

A3. No, it will not. Even if you have set up account transfers, if you repay an amount equal to or greater than the scheduled repayment amount at an ATM within the repayment period (from 14 days before to the day of your due date), the account debit for that month will not be performed.

Q4. Can I use the service free of charge during the New Year’s holidays and on public holidays?

A4. Yes, the fees are free even during the New Year’s holidays and on 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 members-only page. 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 SBI Shinsei Bank Card 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 scheduled repayment date?

A7. No, you cannot. The scheduled repayment date for the SBI Shinsei Bank Card Loan cannot be changed after the contract is finalized.

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 19, 2025