Explaining Lawson (Lawson Bank) ATM Fees, Transfers, Operating Hours, and Limits

Lawson Bank ATMs, installed in Lawson stores nationwide, offer convenient services for everyday financial transactions. This article provides a comprehensive explanation, covering everything from the basic usage of Lawson Bank ATMs, fees, transfer methods, operating hours, transaction limits, usable cards, security measures, to frequently asked questions and their answers. We will provide information to help you use Lawson Bank ATMs more conveniently and with peace of mind.

Basic Information and Service Development of Lawson Bank ATMs

Lawson Bank ATMs are developing various services with the aim of improving customer convenience. We will introduce the underlying network, main services, and unique features of Lawson Bank.

Lawson Bank ATM Network Installed in Lawson Stores Nationwide

Lawson Bank ATMs are primarily installed in Lawson stores throughout Japan, with over 13,000 units as of 2025. This extensive network functions as an accessible financial infrastructure not only for those in urban areas but also for residents in suburbs and rural regions. In principle, they can be used according to Lawson store operating hours, meaning they are often available early in the morning or late at night.

Main Services Offered by Lawson Bank ATMs (Deposits, Withdrawals, Transfers, etc.)

The following main services are available at Lawson Bank ATMs:

• Deposits: Cash deposits are possible.
• Withdrawals: Cash withdrawals using a cash card are possible.
• Transfers: Transfers using a cash card are possible.
• Balance Inquiry: You can check your account balance.
• PIN Change: PIN changes for cash cards from some financial institutions are possible.
• Credit Card Cash Advances: Cash advance services using compatible credit cards are available.

These services can be used not only with Lawson Bank cash cards but also with cash cards from many affiliated financial institutions.

Unique Features of Lawson Bank ATMs (e.g., Lawson Bank Direct App Integration, Ponta Point Related Services, etc.)

Lawson Bank ATMs offer unique convenient functions and services. A major feature is the integration with the “Lawson Bank Direct” app. By using this app, you can make deposits and withdrawals at ATMs using your smartphone (Smartphone ATM), allowing transactions without carrying a cash card.

Additionally, those with a Lawson Bank account may receive preferential ATM usage fees. Regarding Ponta Point integration, services are offered where Ponta Points can be earned by opening a Lawson Bank account, making various transactions, and participating in campaigns. Please check the official Lawson Bank website for details.

Source: Lawson Bank Direct App | Lawson Bank

Detailed Guide to Various Usage Fees for Lawson Bank ATMs

When using Lawson Bank ATMs, fees vary depending on the transaction type, the type of card used, and the time of day. Here, we explain the fees for major cases in detail.

ATM Fees When Using a Lawson Bank Account

The fees for using Lawson Bank ATMs with a Lawson Bank cash card are as follows:

Cash Deposit/Withdrawal Fees (Weekday/Weekend & Holiday Time-Specific Rate System)

Time Slot	Fee
7:00 – 19:00	Free
Other times	110 yen

*The above applies to both deposits and withdrawals.

Transfer Fees (Rates for transfers to Lawson Bank and other banks)

• To Lawson Bank: 55 yen
• To other banks: 165 yen

*Fees are uniform regardless of the transfer amount.

(Note: The above fees are current as of June 2025. Please check the official Lawson Bank website for the latest information.)

Source: Fee List (Lawson Bank Account – Personal Customers) | Lawson Bank

Fees When Using Cash Cards from Affiliated Financial Institutions at Lawson Bank ATMs

When using a cash card from an affiliated financial institution at a Lawson Bank ATM, the fees determined by your financial institution, not Lawson Bank, will apply.

Lawson Bank ATMs are affiliated with many banks, credit unions, etc., but specific fee amounts (for deposits, withdrawals, transfers) and the number of free uses are based on the regulations of the financial institution that issued the cash card. Please check the website or contact the branch of your financial institution. Fees may also be displayed on the Lawson Bank ATM screen.

ATM Fees of Affiliated Financial Institutions

Many financial institutions offer ATM fee preferential programs based on conditions such as designating a salary transfer account, maintaining a certain deposit balance, or subscribing to internet banking. You can reduce fees by utilizing these programs according to your usage. Please contact each financial institution for details.

ATM Usage Fees for Credit Card Cash Advances

When making a cash advance (borrowing cash) using a credit card at a Lawson Bank ATM, an ATM usage fee may be incurred. This fee varies by credit card company and is typically 110 yen or 220 yen (tax included) depending on the borrowed amount. It is charged separately from the cash advance interest rate, so please check the terms of your credit card company.

Source: Cash Advance Service / Card Loan | Lawson Bank

How to Make Transfers at Lawson Bank ATMs and Important Points to Note

Transfers using a cash card are possible at Lawson Bank ATMs. We will explain the procedure and precautions for smooth and reliable transfers.

Available Transactions and Conditions for Transfers (Cash Card Transfers, Availability of Cash Transfers *For Lawson Bank Accounts)

Transfers at Lawson Bank ATMs are, in principle, made from an account using a cash card. Not only Lawson Bank cash cards but also cash cards from affiliated financial institutions can be used if that financial institution offers ATM transfer services.
Cash transfers are not handled at Lawson Bank ATMs. Please be sure to have your cash card ready when making a transfer.

Steps for Entering and Confirming Payee Account Information

Accurate payee account information is required for transfer procedures. Preparing the following information in advance will make the process smoother:

1. Financial Institution Name: Name of the payee’s bank, credit union, etc.
2. Branch Name: Name of the payee’s branch.
3. Account Type: Savings account, current account, etc.
4. Account Number: 7-digit account number.
5. Payee Name: Account holder name of the payee.

You may also be required to enter the financial institution code or branch code. Follow the instructions on the ATM screen for input, and finally, be sure to confirm that the input details and payee name are correct. Many ATMs allow you to enter the financial institution name and branch name using a Kana search.

Basic Flow of Transfer Operations on the ATM Screen

Transfer operations at Lawson Bank ATMs generally proceed as follows:

1. Select “Transfer” (お振込み) on the ATM screen.
2. Insert your cash card and enter your PIN.
3. Select the payee’s financial institution (you can search by type of financial institution or initial letter according to the screen guidance).
4. Select or enter the payee’s branch name.
5. Select the account type and enter the account number.
6. Enter the transfer amount.
7. Enter or confirm the remitter’s name (your name) and phone number.
8. A confirmation screen for the input details (payee information, amount, etc.) will be displayed. Make a final check for any errors.
9. After confirmation, press the “Confirm” (確認) or “Execute” (実行) button to execute the transfer.
10. A transaction receipt will be issued. Be sure to take it and keep it.

Transfer Acceptance Hours and Timing of Deposit to Payee Account

• Acceptance Hours: Transfers at Lawson Bank ATMs are generally accepted whenever the ATM is operational.
• Deposit Reflection Timing:
  • To Lawson Bank: Processed the same day until 23:59.
  • To other banks: Processed the same day until 15:00 on weekdays; otherwise, transferred on the next business day. (Excluding December 31st, January 1st – January 3rd)

The scheduled deposit date may be displayed on the confirmation screen before executing the transfer. If you are in a hurry, it is recommended to complete the procedure with ample time.

Lawson Bank ATM Operating Hours and Availability

One of the major advantages of Lawson Bank ATMs is their long operating hours. Here, we explain ATM operating times and points to note.

Lawson Bank ATM Services: Generally Operational 24/7, 365 Days a Year

Lawson Bank ATMs installed in Lawson stores nationwide are, in principle, operational 24 hours a day, 365 days a year. This allows for convenient use even early in the morning, late at night, on weekends, and holidays when you suddenly need cash or need to make a transfer. However, some stores may have different operating hours, in which case ATM availability will follow the store’s operating hours.

Service Suspension Times Due to System Maintenance, etc., and How They Are Announced

ATM services may be temporarily unavailable due to system maintenance by Lawson Bank and affiliated financial institutions. Regular maintenance is often performed mainly from late night to early morning. For example, it may be scheduled from around 2:00 AM to 7:00 AM every Monday or during some periods of consecutive holidays such as Happy Mondays. Unscheduled temporary maintenance may also occur. Information about this maintenance is announced in advance on the Lawson Bank official website, on ATM screens, and via notices within Lawson stores. It is recommended to check the latest information on the official website before use.

Source: Maintenance Information List | Lawson Bank

Relationship Between Lawson Store Operating Hours and ATM Availability

The available hours for Lawson Bank ATMs basically follow the operating hours of the Lawson store where they are installed. Since many Lawson stores are open 24 hours, ATMs are also available 24 hours. However, some Lawson stores located in train stations, office buildings, hospitals, etc., may have limited operating hours. In such cases, ATMs will also become unavailable according to the store’s closing time, so please be aware.

Transaction Limits at Lawson Bank ATMs

For secure transactions, Lawson Bank ATMs have set limits for various transactions. It is important to check and change them according to your usage.

Details of Cash Withdrawal Limits (Per Transaction and Per Day)

Cash withdrawal limits are set per transaction and as a cumulative total per day.

Initial Default Limits for Lawson Bank Accounts and Guide to Changing Procedures

When using a Lawson Bank cash card, the initial daily withdrawal limit is set to 500,000 yen. This limit can be changed by yourself within the range of 0 yen to 2,000,000 yen in units of 10,000 yen via Lawson Bank Direct (app or website). Both increases and decreases are supported, allowing adjustments based on lifestyle and security considerations.
The withdrawal limit per transaction varies depending on the ATM model but is usually 200,000 yen (up to 28 banknotes).

Limits When Using Affiliated Financial Institution Cards (Based on Issuing Financial Institution’s Regulations)

When using a cash card from an affiliated financial institution at a Lawson Bank ATM, the withdrawal limit is subject to the regulations of the financial institution that issued the cash card. Transactions are within the daily and per-transaction limits set by your financial institution, not by Lawson Bank’s ATM settings. Please contact your financial institution for details. Limits individually set by customers also apply.

Cash Deposit Limits (Number of Banknotes per Transaction, Maximum Amount, etc.)

The cash deposit limit per transaction at Lawson Bank ATMs is restricted by the number of banknotes. Typically, you can insert up to 50 or 59 banknotes, amounting to 500,000 yen (may vary by model). There is generally no upper limit on the total amount that can be deposited in a day, but please be cautious when handling large amounts of cash from a crime prevention perspective. Coins are not handled.

Transfer Limit Settings (Per Transaction and Per Day)

Limits per transaction and per day are also set for transfers.

Transfer Limits from Lawson Bank Accounts and How to Change Them

For transfers using a Lawson Bank cash card, the initial default daily transfer limit is 500,000 yen. This limit can be changed by yourself within the range of 0 to 2,000,000 yen in units of 10,000 yen via Lawson Bank Direct (app or website).
The transfer limit per transaction may be set as an ATM operational upper limit, but it is usually within the daily limit.

Transfer Limit Regulations When Using Affiliated Financial Institution Cards

When making transfers from a Lawson Bank ATM using a cash card from an affiliated financial institution, the limit is based on the regulations of the financial institution that issued the cash card and any transfer limits individually set by the customer. Please check with your financial institution for details.

Card Types Usable at Lawson Bank ATMs and Convenient Additional Functions

Lawson Bank ATMs support a variety of cards and also offer convenient functions.

Compatible Cash Cards and Loan Cards

Various Cards Issued by Lawson Bank

Cash cards (ordinary deposit cash cards) issued by Lawson Bank can be used. This may include integrated cards with a credit card function.

Cards Issued by Major Affiliated Financial Institutions (City Banks, Regional Banks, Online Banks, Credit Unions, etc.)

Cash cards from most domestic financial institutions participating in MICS (Multi-Integrated Cash Service) can be used. This includes city banks such as MUFG Bank, Sumitomo Mitsui Banking Corporation, and Mizuho Bank, regional banks nationwide, Japan Post Bank, online banks such as Rakuten Bank and PayPay Bank, credit unions, credit cooperatives, labor banks, and JA Bank cards. Some online banks and new types of banks may also be usable through unique partnerships.

International Brands Usable for Credit Card Cash Advances

At Lawson Bank ATMs, cash advance services are available for credit cards affiliated with the following major international brands:

• VISA
• Mastercard
• JCB
• American Express
• Diners Club
• UnionPay
• Discover

Depending on your contract with the credit card company and the type of card, it may not be usable.

How to Use Smartphone ATM (Cardless Transactions): Compatible Apps and Operating Procedures

One of the distinctive services of Lawson Bank ATMs is “Smartphone ATM.” By using the Lawson Bank Direct app, you can deposit and withdraw cash using only your smartphone, without needing a cash card.

Overview of How to Use:

1. Launch the Lawson Bank Direct app and select the Smartphone ATM menu.
2. Specify the transaction type (deposit or withdrawal) and amount.
3. Enter the corporate number and one-time password displayed in the app onto the ATM screen, or scan the QR code displayed on the ATM screen with the app.
4. Follow the ATM instructions to insert or receive cash.

To use this function, prior registration for Lawson Bank Direct is required.

Japanese Yen Withdrawal Service Using Cards Issued Overseas and Compatible Card Brands

You can withdraw Japanese yen from Lawson Bank ATMs using cash cards or credit cards issued overseas. The following international networks are supported:

• Cirrus
• PLUS
• UnionPay
• JCB (issued overseas)

Available card brands, fees, and limits vary by card issuer. The ATM screen allows language selection, making it a user-friendly service for foreign visitors to Japan.

Other Services Provided by Lawson Bank ATMs

Lawson Bank offers a dedicated international money transfer card that allows for easy overseas remittances from Lawson Bank ATMs.

Security Measures When Using Lawson Bank ATMs and Response to Trouble

To use Lawson Bank ATMs with peace of mind, it is important to understand security measures and how to respond in case of trouble.

PIN Management Methods and Recommendations for Preventing Unauthorized Use

• Strict PIN Management: Manage your PIN strictly so that others do not know it. Avoid using easily guessable numbers such as your date of birth, phone number, address numbers, or car license plate numbers.
• Regular Changes: If possible, it is recommended to change your PIN regularly.
• Caution During Input: When entering your PIN, be careful to shield it with your hand so that others cannot see it. It is also important to check that no suspicious devices are attached.
• Memo Storage: Do not store a memo of your PIN with your cash card.

Handling and Importance of Storing Transaction Receipts

When you conduct a transaction at an ATM, always take the transaction receipt and check its contents. The transaction receipt not only serves as proof that the transaction was performed correctly but also helps in the early detection of any fraudulent transactions. Since unnecessary transaction receipts contain personal information, do not simply discard them; shred them or tear them into small pieces before disposal.

Checkpoints During ATM Operation to Prevent Forgetting Cards or Cash

Once you have finished operating the ATM, make sure to check that you have taken your cash card, cash, and transaction receipt. ATMs have a function to retract cards and cash internally after a certain period to prevent them from being forgotten, but do not rely on this and make it a habit to check carefully yourself. Pay attention to the ATM’s voice guidance and screen display, and complete the operation.

Contact Information and Measures to Take if Problems Occur During ATM Use (Card Recognition Error, Cash Not Processed, etc.)

If problems occur during ATM use, such as the card not being read, cash not being dispensed, or deposited cash not being counted, do not panic and take the following measures:

1. Use the Intercom Attached to the ATM: ATMs usually have an intercom that connects to an operator. First, explain the situation via the intercom and ask for instructions.
2. Call the Contact Number Displayed on the Screen: If an emergency contact number is displayed on the ATM screen, call that number.
3. Do Not Force Operations: If a card or cash gets jammed, trying to remove it yourself may worsen the situation or damage the ATM. Always follow the operator’s instructions.
4. Secure the Transaction Receipt: If a transaction receipt has been issued, keep it.

Frequently Asked Questions (Q&A) Regarding Lawson Bank ATM Use

Here is a summary of frequently asked questions from customers regarding the use of Lawson Bank ATMs and their answers.

Q1. Can I deposit or withdraw coins at Lawson Bank ATMs?

A1. No, Lawson Bank ATMs do not handle coin deposits or withdrawals. Only banknotes are supported.

Q2. Can I perform transactions using a passbook (passbook entry, passbook renewal, etc.) at Lawson Bank ATMs?

A2. No, transactions using a passbook (such as passbook entries or renewals) cannot be performed at Lawson Bank ATMs. Please use your cash card.

Q3. If I make a mistake during a transfer operation, can I correct or cancel it at a Lawson Bank ATM?

A3. No, once a transfer operation is completed, it cannot be corrected or canceled at a Lawson Bank ATM. Please contact the branch or call center of the financial institution where the transfer was made (the issuing financial institution of the cash card) to inquire about procedures such as a recall. A fee may be charged for a recall, or the procedure may not be possible.

Q4. How can I check my transaction history at Lawson Bank ATMs (for Lawson Bank accounts)?

A4. If you have a Lawson Bank account, you can check your transaction history via Lawson Bank Direct (smartphone app or website). You can also check recent transaction details on the transaction receipt issued when using the ATM.

Q5. My Lawson Bank cash card doesn’t work at the ATM. What should I do?

A5. Possible reasons why your cash card may not be working include magnetic stripe failure, IC chip malfunction, incorrect PIN or locked PIN, exceeding usage limits, or an expired card. First, please check if the card insertion direction or PIN is correct. If the problem is not resolved, please contact the Lawson Bank call center.

Q6. Can I switch the Lawson Bank ATM operation screen to a language other than Japanese?

A6. Yes, the Lawson Bank ATM operation screen supports English, Chinese (Simplified), and Korean in addition to Japanese. Language selection is available on the initial screen display.

Q7. Can I use the same services at Lawson Bank ATMs installed outside of Lawson stores?

A7. Lawson Bank ATMs may also be installed in locations other than Lawson stores, such as some train stations, commercial facilities, and affiliated facilities. Basically, you can use the same services as ATMs in Lawson stores, but some functions may be restricted or operating hours may differ due to the characteristics of the installation location (e.g., within a security area) or contract. Please check the information at the installation location for details.