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

The Bank of Yokohama Card Loan is a convenient service that allows you to borrow and repay from affiliated convenience store ATMs nationwide free of charge. However, it has unique rules not found in other companies’ card loans, such as the ability to make repayments from convenience store ATMs only on weekdays, and the inability to repay at Ministop (AEON Bank ATMs). Additionally, it is important to understand in advance that monthly repayments are fundamentally by account debit, and the first debit starts from the second repayment date. This article provides a detailed explanation of how to use the Bank of Yokohama 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, important notes, and what to do if you are unable to use the service.

A Comprehensive Guide to Convenience Store ATMs for Bank of Yokohama Card Loan Borrowing and Repayment

The Bank of Yokohama Card Loan allows you to use borrowing and voluntary repayment 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 what the key restrictions are.

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

The Bank of Yokohama Card Loan is partnered with ATMs located in the following convenience stores. However, please note that the available transactions differ by convenience store.

Borrowing and Repayment Compatibility at Seven Bank, Lawson Bank, and E-net ATMs

At ATMs in 7-Eleven, Lawson, and Family Mart (stores with E-net), you can both borrow and make voluntary repayments with the Bank of Yokohama Card Loan. To use them, you will need your Bank of Yokohama cash card and your 4-digit PIN.

AEON Bank ATMs (Ministop) Support Borrowing Only (Repayment Not Supported)

As a key point, at AEON Bank ATMs located in Ministop, you can borrow money, but you cannot make repayments. If you wish to make a repayment, you will need to use another affiliated convenience store ATM.

[Important] Repayment at Convenience Store ATMs is Possible on Weekdays Only

One of the most important rules of the Bank of Yokohama Card Loan is that repayments from Seven Bank ATMs, Lawson Bank ATMs, and E-net ATMs are only possible on weekdays. You cannot make any repayment transactions at convenience store ATMs on Saturdays, Sundays, or public holidays, so careful planning is required.

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

Using Bank of Yokohama Card Loan at 7-Eleven (Seven Bank ATM)

Main Available Transactions

• Borrowing (Withdrawal)
• Repayment (Deposit) *Weekdays only

ATM Fees for Borrowing and Repayment

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

Source: How to Use Your Bank of Yokohama Card Loan After Contract | Bank of Yokohama

ATM Availability and Note on Weekday-Only Repayments

Borrowing is available in principle 24 hours a day, but repayments are limited to weekdays. The service is also unavailable during the Bank of Yokohama’s system maintenance times.

ATM Borrowing Procedures

1. Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
2. Insert your Bank of Yokohama loan card into the ATM.
3. Select the “Withdrawal (Borrowing)” button.
4. Enter your 4-digit PIN.
5. Enter the desired borrowing amount.
6. Confirm the details and receive your cash, card, and transaction receipt.

ATM Repayment Procedures

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

Using Bank of Yokohama Card Loan at Lawson (Lawson Bank ATM)

Main Available Transactions

• Borrowing (Withdrawal)
• Repayment (Deposit) *Weekdays only

ATM Fees for Borrowing and Repayment

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

Source: How to Use Your Bank of Yokohama Card Loan After Contract | Bank of Yokohama

ATM Availability and Note on Weekday-Only Repayments

Borrowing is available nearly 24 hours a day, but repayments are limited to weekdays. The service is unavailable during the Bank of Yokohama’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

On a weekday, 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 Bank of Yokohama Card Loan at Family Mart (E-net ATM)

Main Available Transactions

• Borrowing (Withdrawal)
• Repayment (Deposit) *Weekdays only

ATM Fees for Borrowing and Repayment

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

Source: How to Use Your Bank of Yokohama Card Loan After Contract | Bank of Yokohama

ATM Availability and Note on Weekday-Only Repayments

At E-net ATMs, borrowing is available nearly 24 hours a day, but repayments are restricted to weekdays. The service is unavailable during the Bank of Yokohama’s maintenance times.

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

On a weekday, start the process from the “Deposit” menu on the screen and follow the instructions to make your deposit.

Using Bank of Yokohama Card Loan at Ministop (AEON Bank ATM)

Main Available Transactions

• Borrowing (Withdrawal) only

ATM Fee for Borrowing

Free of charge at all times. There is no fee for borrowing.

Source: How to Use Your Bank of Yokohama Card Loan After Contract | Bank of Yokohama

ATM Availability and Maintenance Information

AEON Bank ATMs are available nearly 24 hours a day, but the service is unavailable during the Bank of Yokohama’s maintenance times.

ATM Borrowing Procedures

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

Reconfirmation that Repayment is Not Supported

To reiterate, you cannot make repayments for the Bank of Yokohama Card Loan at AEON Bank ATMs located in Ministop. Please use these ATMs for borrowing only.

Guide to Bank of Yokohama Card Loan Repayment: Voluntary and Scheduled Repayments

Standard Repayment Method: Automatic Debit on the 10th of Each Month (Scheduled Repayment)

The standard repayment method for the Bank of Yokohama 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).

First Automatic Debit Starts from the Second Scheduled Repayment Date

A very distinctive rule is that the automatic debit begins from the second scheduled repayment date after your first borrowing. For example, if you first borrow on July 5th, no debit will be made on the first scheduled repayment date of August 10th. The debit will start from the second scheduled repayment date of September 10th. This is a particularly important point to note when planning your repayments.

Voluntary Repayments (Prepayments) at Partner Convenience Store ATMs

Repayments made from a convenience store ATM are considered “Voluntary Repayments,” which are separate from the scheduled repayments. This is an optional repayment method for paying down the principal ahead of schedule when you have extra funds.

Rules and Important Notes for Voluntary Repayments (Weekdays Only, Cash Only)

Voluntary repayments can be made from Seven Bank ATMs, Lawson Bank ATMs, and E-net ATMs. However, as mentioned earlier, they are handled on weekdays only and with cash only. You cannot make repayments on weekends or public holidays, and coins are not accepted.

Regarding the Fact that Scheduled Repayments Still Occur Even After Voluntary Repayments

Even if you make a voluntary repayment at a convenience store ATM, the scheduled repayment (automatic debit) on the 10th of each month will still be carried out as usual. It is important to understand that a voluntary repayment does not replace the scheduled repayment.

[Note] Full Repayment is Not Possible at Convenience Store ATMs

A “full repayment,” which involves repaying the entire borrowed amount including principal and interest at once, cannot be handled at convenience store ATMs.

Methods for Making a Full Repayment (Bank of Yokohama ATM, My Direct, etc.)

If you wish to make a full repayment, you will need to use a Bank of Yokohama ATM (if the total principal and interest is ¥1 million or less) or the internet banking service “<HamaGin> My Direct.”

How to Check Your Scheduled Repayment Date and Amount

You can check your monthly scheduled repayment amount on the members-only web service “HamaGin 365” or via “<HamaGin> My Direct.”

Source: How to Use Your Bank of Yokohama Card Loan After Contract | Bank of Yokohama

Important Information and Precautions for Using the Bank of Yokohama 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 “HamaGin 365” or on an ATM transaction receipt. If you wish to increase your limit, you can apply online 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 Bank of Yokohama Card Loan is set within a range of 1.5% 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

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 Bank of Yokohama branch. 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 the Bank of Yokohama.
・Your scheduled payments are overdue.
If the issue is not resolved, please contact the Bank of Yokohama Card Loan Plaza.

Source: Bank of Yokohama Card Loan | Bank of Yokohama

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 Bank of Yokohama Card Loan Borrowing and Repayment at Convenience Store ATMs

Q1. Are convenience store ATM usage fees really free?

A1. Yes, they are free. With the Bank of Yokohama Card Loan, there are absolutely no usage fees for borrowing or repaying at affiliated convenience store ATMs, regardless of the day of the week or time.

Q2. Why can’t I make repayments at convenience store ATMs on weekends and public holidays?

A2. This is due to the specifications of the Bank of Yokohama’s system. If you wish to make a repayment on a weekend or public holiday, you will need to complete the transaction at an ATM during a weekday or consider other repayment methods.

Q3. Why can’t I make repayments at Ministop (AEON Bank ATM)?

A3. This is because the ATM partnership between the Bank of Yokohama and AEON Bank is limited to borrowing transactions only. To make a repayment, please use a Seven Bank ATM, Lawson Bank ATM, or E-net ATM.

Q4. If I make a voluntary repayment at an ATM, will my next automatic debit (scheduled repayment) still occur?

A4. Yes, it will. A voluntary repayment at an ATM is an optional 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.

Q5. Can I make a full repayment at a convenience store ATM?

A5. No, you cannot. Convenience store ATMs do not support full repayments that include both principal and interest. To make a full repayment, please use a Bank of Yokohama ATM (for totals of ¥1 million or less) or the internet banking service “<HamaGin> My Direct.”

Q6. After my first borrowing, when do my repayments start?

A6. The scheduled repayment by automatic account debit will begin from the second scheduled repayment date (the 10th) after your first borrowing. For example, if you start borrowing in July, the debits will begin on September 10th.

Q7. Where can I check my borrowing and repayment history?

A7. You can check your borrowing and repayment history by logging into the members-only web service “HamaGin 365” or the internet banking service “<HamaGin> My Direct.” You can also check your most recent transactions on the receipt issued when you use an ATM.

Q8. Can I use a convenience store ATM without a card (e.g., with a smartphone app)?

A8. No, you cannot. As of August 2025, the Bank of Yokohama Card Loan does not support ATM transactions using a smartphone app (Cardless ATM). You must have your physical Bank of Yokohama cash card to make transactions at a convenience store ATM.

Last Updated: August 27, 2025