Japan Post Bank cash cards can be conveniently used at ATMs in convenience stores nationwide. However, it’s important to understand in advance that fees, available hours, and handled services differ depending on the convenience store and type of ATM. This article provides a comprehensive guide to the details (fees, operating hours, transaction details, etc.) when using a Japan Post Bank cash card at major convenience store ATMs (7-Eleven, Lawson, Family Mart, Ministop).
- A Comprehensive Guide to Convenience Store ATMs That Accept Japan Post Bank Cash Cards
- [By Convenience Store] Details for Using a Japan Post Bank Cash Card: Fees, Operating Hours, and Services
- General Tips and Precautions for Using Japan Post Bank at Convenience Store ATMs
- Transaction Limits: Daily and Per-Transaction Ceilings for Withdrawals, Deposits, and Transfers (When Using a Cash Card)
- Handling of Coins: Not Supported for Withdrawals or Deposits at Convenience Store ATMs
- Use of Passbooks: Not Usable for Updates or Transactions at Convenience Store ATMs
- How to Check System Maintenance Times: Checking the Official Websites of Japan Post Bank and Each ATM Operator
- PIN Management and Security: For Safe ATM Use
- Q&A on Using Japan Post Bank at Convenience Store ATMs
- Q1. Can users of specific Japan Post Bank services (e.g., Yucho Direct) receive preferential rates on convenience store ATM fees?
- Q2. Can I set up or change account transfers (automatic payments) for Japan Post Bank at a convenience store ATM?
- Q3. If I use a Yucho Debit Card (like Visa Debit) at a convenience store ATM, are the fees the same as for a cash card?
- Q4. Can a Japan Post Bank corporate cash card be used at convenience store ATMs? If so, is the fee structure different from that for individual accounts?
- Q5. When I use a convenience store ATM, how is the fee displayed on my Japan Post Bank statement?
- Q6. How exactly do Japan Post Bank convenience store ATM fees vary by day of the week and holidays?
- Q7. Can I use my Japan Post Bank cash card to make Pay-easy payments (for taxes and various bills) from a convenience store ATM?
- Q8. If my Japan Post Bank cash card doesn’t work at a convenience store ATM, what are the possible reasons?
A Comprehensive Guide to Convenience Store ATMs That Accept Japan Post Bank Cash Cards
Japan Post Bank cash cards are accepted at many convenience store ATMs. First, let’s summarize which ATMs are available at which convenience stores.
Overview of Partner ATMs Installed in Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)
The following ATMs are installed in major convenience store chains across Japan and can be used with a Japan Post Bank cash card.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- Family Mart: E-net ATM or Japan Post Bank ATM
- Ministop: AEON Bank ATM
Japan Post Bank Cash Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above are compatible with Japan Post Bank cash cards. However, please note that fees vary depending on the type of ATM, time of day, and day of the week. For information on which partner financial institutions you can transfer to and whether certain transactions are available, please follow the guidance provided at each ATM. As a general rule, Japan Post Bank passbooks cannot be used at these ATMs.
ATM Situation at Family Mart (Japan Post Bank ATM vs. E-net ATM) and Key Points for Using a Japan Post Bank Cash Card
Family Mart stores have either a “Japan Post Bank ATM” or an “E-net ATM” installed, depending on the location. The fee structure and some services for using a Japan Post Bank cash card may differ depending on which ATM is installed.
- Stores with Japan Post Bank ATMs: Since a Japan Post Bank ATM is directly installed, fees are free except for certain days and times.
- Stores with E-net ATMs: These are ATMs operated by E-net, Inc. Japan Post Bank is a partner, so they can be used, but the fee structure is different from that of stores with Japan Post Bank ATMs.
You can check which ATM is installed at a Family Mart store by looking at the stickers at the storefront or on the ATM itself.
[By Convenience Store] Details for Using a Japan Post Bank Cash Card: Fees, Operating Hours, and Services
From here, let’s take a detailed look at the fees, available hours, and main services when using a Japan Post Bank cash card at the ATMs in each convenience store.
*All fees are tax-inclusive. Information is current as of June 2025. Please check the official websites of Japan Post Bank or each ATM operator for the latest information.
Using Japan Post Bank at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Withdrawals
- Deposits
- Balance Inquiries
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Saturdays, Sundays & Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 220 yen |
| Weekdays | Other times | 330 yen |
| Saturdays | 9:00 AM – 2:00 PM | 220 yen |
| Saturdays | Other times | 330 yen |
| Sundays & Holidays | All day | 330 yen |
Source: Charges and Fees for Using ATMs – Japan Post Bank
Transfer Fees: To Japan Post Bank Accounts & To Other Banks
Transfers are not available at Seven Bank ATMs.
ATM Availability and System Maintenance Information
Most Seven Bank ATMs are generally operational 24 hours a day, but this may vary depending on the store or location.
Japan Post Bank’s system maintenance hours are as follows:
- Third Monday of every month, 12:30 AM – 6:30 AM (*As of June 2025. Subject to change)
- Other temporary system maintenance periods
Transactions using a Japan Post Bank cash card cannot be performed during these times.
Using Japan Post Bank at Lawson (Lawson Bank ATM)
Main Available Transactions
- Withdrawals
- Deposits
- Balance Inquiries
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Saturdays, Sundays & Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 220 yen |
| Weekdays | Other times | 330 yen |
| Saturdays | 9:00 AM – 2:00 PM | 220 yen |
| Saturdays | Other times | 330 yen |
| Sundays & Holidays | All day | 330 yen |
Source: Charges and Fees for Using ATMs – Japan Post Bank
Transfer Fees: To Japan Post Bank Accounts & To Other Banks
Transfers are not available at Lawson Bank ATMs.
ATM Availability and System Maintenance Information
Most Lawson Bank ATMs are generally operational 24 hours a day, but this may vary by store.
Japan Post Bank’s system maintenance hours are the same as when using a Seven Bank ATM.
Using Japan Post Bank at Family Mart (Japan Post Bank ATM)
Main Available Transactions
- Withdrawals
- Deposits
- Transfers
- Balance Inquiries
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Saturdays, Sundays & Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | Free |
| Weekdays | Other times | 110 yen |
| Saturdays | 9:00 AM – 2:00 PM | Free |
| Saturdays | Other times | 110 yen |
| Sundays & Holidays | All day | 110 yen |
Source: Charges and Fees for Using ATMs – Japan Post Bank
Transfer Fees: To Japan Post Bank Accounts & To Other Banks
| Destination | Transfer Amount | Fee |
|---|---|---|
| To Japan Post Bank Account (Telegraphic Transfer) | Under 50,000 yen | 100 yen |
| To Japan Post Bank Account (Telegraphic Transfer) | 50,000 yen or more | 100 yen |
| To other banks | Under 50,000 yen | 220 yen |
| To other banks | 50,000 yen or more | 440 yen |
Source: Transfer Fees – Japan Post Bank
ATM Availability and System Maintenance Information
The operating hours of Japan Post Bank ATMs in Family Mart vary by store, but many are available for long hours. However, they cannot be used during Japan Post Bank’s system maintenance periods.
Using Japan Post Bank at Family Mart (E-net ATM)
Main Available Transactions
- Withdrawals
- Deposits
- Balance Inquiries
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Saturdays, Sundays & Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 220 yen |
| Weekdays | Other times | 330 yen |
| Saturdays | 9:00 AM – 2:00 PM | 220 yen |
| Saturdays | Other times | 330 yen |
| Sundays & Holidays | All day | 330 yen |
Source: Charges and Fees for Using ATMs – Japan Post Bank
Transfer Fees: To Japan Post Bank Accounts & To Other Banks
Transfers are not available at E-net ATMs.
ATM Availability and System Maintenance Information
Most E-net ATMs are generally operational 24 hours a day, but this may vary by store. They cannot be used during Japan Post Bank’s system maintenance periods.
Using Japan Post Bank at Ministop (AEON Bank ATM)
Main Available Transactions
- Withdrawals
- Deposits
- Balance Inquiries
*Passbooks cannot be used.
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Saturdays, Sundays & Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 110 yen |
| Weekdays | Other times | 220 yen |
| Saturdays | 9:00 AM – 2:00 PM | 110 yen |
| Saturdays | Other times | 220 yen |
| Sundays & Holidays | All day | 220 yen |
Source: Japan Post Bank | Hours & ATM Fees | AEON Bank
Transfer Fees: To Japan Post Bank Accounts & To Other Banks
Transfers are not available at AEON Bank ATMs.
ATM Availability and System Maintenance Information
Most AEON Bank ATMs are operational for long hours, with some available 24/7. This varies by store.
Japan Post Bank’s system maintenance hours are the same as when using other ATMs.
General Tips and Precautions for Using Japan Post Bank at Convenience Store ATMs
Keep the following points in mind when using Japan Post Bank services at convenience store ATMs.
Transaction Limits: Daily and Per-Transaction Ceilings for Withdrawals, Deposits, and Transfers (When Using a Cash Card)
Japan Post Bank cash cards have a daily transaction limit. The default setting is often 500,000 yen for the total of withdrawals and transfers (for transactions using an IC chip; limits for magnetic stripe-only cards or transactions may differ), but this can be changed individually.
Additionally, convenience store ATMs themselves may have per-transaction limits (e.g., up to 200,000 yen for withdrawals, up to 50 banknotes for deposits), so you may need to split large transactions into multiple operations. For details, please check the guidance from Japan Post Bank and each ATM.
Source: About ATM Withdrawal Limits, etc. – Japan Post Bank
Handling of Coins: Not Supported for Withdrawals or Deposits at Convenience Store ATMs
All convenience store ATMs (including Seven Bank ATMs, Lawson Bank ATMs, E-net ATMs, AEON Bank ATMs, and Japan Post Bank ATMs in Family Mart) do not handle coin deposits or withdrawals. Only banknotes are handled.
Use of Passbooks: Not Usable for Updates or Transactions at Convenience Store ATMs
At all convenience store ATMs, you cannot use a Japan Post Bank passbook for updates or transactions (such as withdrawals or deposits). Transactions at convenience store ATMs are for cash cards only.
How to Check System Maintenance Times: Checking the Official Websites of Japan Post Bank and Each ATM Operator
During periods when Japan Post Bank itself is undergoing system maintenance (e.g., late night to early morning on the third Monday of every month), Japan Post Bank transactions cannot be performed at any convenience store ATM. Additionally, each convenience store ATM operator (Seven Bank, Lawson Bank, etc.) may rarely conduct its own system maintenance late at night. It is recommended to check this information in advance on the official websites of Japan Post Bank and each ATM operator.
Source: Japan Post Bank Co., Ltd.
PIN Management and Security: For Safe ATM Use
When using an ATM, be sure to take security measures, such as covering the keypad with your hand when entering your PIN to prevent others from seeing it. Also, manage your PIN strictly so that it is not known to others, and avoid using easily guessable numbers like your date of birth or phone number. Do not carelessly discard transaction receipts; dispose of them properly.
Q&A on Using Japan Post Bank at Convenience Store ATMs
Here are some frequently asked questions and their answers regarding the use of Japan Post Bank at convenience store ATMs.
Q1. Can users of specific Japan Post Bank services (e.g., Yucho Direct) receive preferential rates on convenience store ATM fees?
A1. As of May 2024, no system that directly offers preferential convenience store ATM fees just for using Yucho Direct can be confirmed in Japan Post Bank’s official information. Fees for using convenience store ATMs are, in principle, based on the fee tables mentioned earlier. However, there is a possibility of campaigns being held, so please check the official Japan Post Bank website for the latest information.
Q2. Can I set up or change account transfers (automatic payments) for Japan Post Bank at a convenience store ATM?
A2. At convenience store ATMs, you cannot perform procedures such as new applications, changes, or cancellations for Japan Post Bank account transfers (automatic payments). These procedures must be done at a Japan Post Bank counter, by mail, or in some cases, through Yucho Direct (internet banking).
Q3. If I use a Yucho Debit Card (like Visa Debit) at a convenience store ATM, are the fees the same as for a cash card?
A3. When you use a Yucho Debit Card for a “cash withdrawal” at a convenience store ATM, the fee structure is basically the same as that for a regular Japan Post Bank cash card. Please note that this is different from using the debit card for shopping.
Q4. Can a Japan Post Bank corporate cash card be used at convenience store ATMs? If so, is the fee structure different from that for individual accounts?
A4. Japan Post Bank corporate cash cards (such as transfer account cash cards) can also be used for withdrawals at partner convenience store ATMs. However, the fee structure and transaction limits may differ from those for individual accounts. For details, please check the Japan Post Bank’s service information for corporate clients or inquire at a branch.
Q5. When I use a convenience store ATM, how is the fee displayed on my Japan Post Bank statement?
A5. When you make a transaction at a convenience store ATM that incurs a fee, the fee amount is usually clearly stated on the transaction receipt issued by the ATM. Also, when you check your passbook or Yucho Direct transaction history later, it is common for a note indicating that a fee has been debited to be recorded (e.g., “ATM Fee,” “Partner ATM Fee,” etc.).
Q6. How exactly do Japan Post Bank convenience store ATM fees vary by day of the week and holidays?
A6. As shown in the fee tables for each convenience store ATM in this article, fees are generally lowest during weekday daytime hours (e.g., 8:45 AM – 6:00 PM), and tend to be higher at other times, on Saturdays, Sundays, and holidays. Notably, “Japan Post Bank ATMs” in Family Mart have different settings from other partner ATMs, such as being free during certain hours.
Q7. Can I use my Japan Post Bank cash card to make Pay-easy payments (for taxes and various bills) from a convenience store ATM?
A7. In principle, you cannot use your Japan Post Bank cash card to make Pay-easy payments for taxes and various bills from a convenience store ATM. Pay-easy payments must be made at a Japan Post Bank/post office counter, some Japan Post Bank ATMs, or through services like Yucho Direct (internet banking).
Q8. If my Japan Post Bank cash card doesn’t work at a convenience store ATM, what are the possible reasons?
A8. The main possible reasons are as follows:
・Incorrect PIN, or card lock due to multiple incorrect entries
・Magnetic stripe failure or IC chip damage on the cash card
・Exceeding the transaction limit
・Insufficient account balance
・During system maintenance by Japan Post Bank or the ATM operator
・The card has expired (in the case of some special cards)
・The ATM does not support Japan Post Bank transactions (very rare, but depends on location and model)
If the problem is not resolved, please contact the Japan Post Bank call center or a branch.
Source: Inquiries – Japan Post Bank
Last Updated: June 19, 2025