Sumitomo Mitsui Banking Corporation (SMBC) cash cards can be used at ATMs in major convenience stores nationwide, making them very convenient for daily financial transactions. However, fees vary depending on the type of convenience store ATM and the time of day, so understanding the system is essential to save on fees. This article explains in detail the fees, available hours, and services when using your SMBC card at convenience store ATMs (Seven-Eleven, Lawson, FamilyMart, Ministop). We will also introduce how to get fees waived by using the benefits of “SMBC Point Pack” and “Olive.”
- A Comprehensive Guide to Convenience Store ATMs That Accept SMBC Cash Cards
- [By Convenience Store] Details for Using SMBC: Fees, Hours, and Services
- How to Get Free Convenience Store ATM Fees with SMBC Point Pack & Olive Benefits
- Common Precautions When Using SMBC at Convenience Store ATMs
- Transaction Limits: Daily and Per-Transaction Ceilings for Withdrawals, Deposits, and Transfers
- 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
- PIN Management and ATM Security
- Q&A on Using SMBC at Convenience Store ATMs
- Q1. When do the benefits for SMBC Point Pack and Olive become effective?
- Q2. At which ATMs can I use the Olive selectable benefit “Free Convenience Store ATM Fee”?
- Q3. Are the fees for Sumitomo Mitsui Banking Card Debit (SMBC Debit) the same as for a cash card?
- Q4. Can a corporate cash card be used at convenience store ATMs? If so, are the fees different from those for individual customers?
- Q5. How is the fee displayed on the convenience store ATM transaction receipt?
- Q6. Is it true that convenience store ATM fees are free on the 25th and 26th of each month?
- Q7. If I make a transfer at a convenience store ATM, when will the money be deposited into the recipient’s account?
- Q8. If my SMBC cash card doesn’t work at a convenience store ATM, what are the possible reasons?
A Comprehensive Guide to Convenience Store ATMs That Accept SMBC Cash Cards
SMBC cash cards can be used across Japan’s extensive convenience store ATM network. First, let’s get an overview of which ATMs are partnered with which convenience stores.
Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, FamilyMart, Ministop)
The following ATMs are installed in major convenience store chains, where you can use your SMBC cash card.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- Family Mart: E-net ATM (*Although some stores have Japan Post Bank ATMs, E-net ATMs are the most common)
- Ministop: AEON Bank ATM
SMBC Cash Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
At the partner ATMs listed above, basic services such as withdrawals, deposits, transfers, and balance inquiries are available for SMBC cash cards. However, fees and some service details vary depending on the ATM used, the time of day, and the application of preferential services described later. As a general rule, you cannot use your passbook at these ATMs.
[By Convenience Store] Details for Using SMBC: Fees, Hours, and Services
From here, we will detail the specific fees, available hours, and services when using an SMBC cash card at each convenience store ATM.
*All fees are tax-inclusive. The following are the standard fees when benefits from “SMBC Point Pack” or “Olive” are not applied. Information is current as of June 2025.
Using SMBC at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Withdrawals
- Deposits
- Balance Inquiries
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends & Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 220 yen |
| Weekdays | Other times | 330 yen |
| Saturdays, Sundays & Holidays | All day | 330 yen |
*On the 25th and 26th of each month, transactions are free from 8:45 AM to 6:00 PM, and 110 yen at other times.
Source: ATM Fee Information : Sumitomo Mitsui Banking Corporation
Transfer Fees: To SMBC Branches & To Other Banks
Transfers are not available at Seven Bank ATMs.
ATM Availability and System Maintenance Information
Seven Bank ATMs are generally operational 24 hours a day, but they cannot be used during SMBC’s system maintenance periods.
Main maintenance hours: Every Sunday from 9:00 PM to 7:00 AM the following Monday.
Please note that all transactions are suspended during this time.
Using SMBC at Lawson (Lawson Bank ATM)
Main Available Transactions
- Withdrawals
- Deposits
- Transfers
- Balance Inquiries
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends & Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 220 yen |
| Weekdays | Other times | 330 yen |
| Saturdays, Sundays & Holidays | All day | 330 yen |
*On the 25th and 26th of each month, transactions are free from 8:45 AM to 6:00 PM, and 110 yen at other times.
Source: ATM Fee Information : Sumitomo Mitsui Banking Corporation
Transfer Fees: To SMBC Branches & To Other Banks
| Destination | Transfer Amount | Fee |
|---|---|---|
| To SMBC branches | Under 30,000 yen | 110 yen |
| To SMBC branches | 30,000 yen or more | 110 yen |
| To other banks | Under 30,000 yen | 165 yen |
| To other banks | 30,000 yen or more | 275 yen |
Source: [ATM] I want to know about convenience store ATM fees | FAQ : Sumitomo Mitsui Banking Corporation
ATM Availability and System Maintenance Information
Lawson Bank ATMs are also generally operational 24 hours a day, but they cannot be used during SMBC’s system maintenance periods (every Sunday 9:00 PM – Monday 7:00 AM).
Using SMBC at Family Mart (E-net ATM)
Main Available Transactions
- Withdrawals
- Deposits
- Transfers
- Balance Inquiries
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends & Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 220 yen |
| Weekdays | Other times | 330 yen |
| Saturdays, Sundays & Holidays | All day | 330 yen |
*On the 25th and 26th of each month, transactions are free from 8:45 AM to 6:00 PM, and 110 yen at other times.
Source: ATM Fee Information : Sumitomo Mitsui Banking Corporation
Transfer Fees: To SMBC Branches & To Other Banks
| Destination | Transfer Amount | Fee |
|---|---|---|
| To SMBC branches | Under 30,000 yen | 110 yen |
| To SMBC branches | 30,000 yen or more | 110 yen |
| To other banks | Under 30,000 yen | 165 yen |
| To other banks | 30,000 yen or more | 275 yen |
Source: [ATM] I want to know about convenience store ATM fees | FAQ : Sumitomo Mitsui Banking Corporation
ATM Availability and System Maintenance Information
E-net ATMs are also generally operational 24 hours a day, but they cannot be used during SMBC’s system maintenance periods.
Using SMBC at Ministop (AEON Bank ATM)
Main Available Transactions
- Withdrawals
- Deposits
- Transfers
- Balance Inquiries
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends & Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 110 yen |
| Weekdays | Other times | 220 yen |
| Saturdays, Sundays & Holidays | All day | 220 yen |
Transfer Fees: To SMBC Branches & To Other Banks
| Day | Time Slot | Transfer Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 330 yen |
| Weekdays | Other times | 440 yen |
| Saturdays, Sundays & Holidays | All day | 440 yen |
Source: Sumitomo Mitsui Banking Corporation | Hours & ATM Fees | AEON Bank
ATM Availability and System Maintenance Information
AEON Bank ATMs are also operational for long hours, but they cannot be used during SMBC’s system maintenance periods.
How to Get Free Convenience Store ATM Fees with SMBC Point Pack & Olive Benefits
SMBC offers preferential treatment on convenience store ATM fees for customers who subscribe to “SMBC Point Pack” or the comprehensive financial service “Olive.” You can save on fees by utilizing these services.
Overview of Conditions for Preferential ATM Fees
To receive preferential fees, you generally need to meet certain conditions with “SMBC Point Pack” or subscribe to an “Olive Account” and select a specific benefit. Even if you meet the conditions for both, benefits cannot be stacked.
Fee Waivers with SMBC Point Pack
Benefit Conditions (Salary Deposits, Balance, etc.) and Number of Free Transactions
If you meet any of the following conditions in your SMBC Point Pack account at the end of the month, your convenience store ATM fees will be waived up to 3 times per month two months later.
- Balance of 5 million yen or more
- Investment trust + foreign currency deposit balance of 1 million yen or more
- Have a NISA balance
- Regular investment trust
- Regular foreign currency deposit
Source: Fee Waivers : Sumitomo Mitsui Banking Corporation
Fee Waivers for Olive Account Subscribers
Details on the “1 Free Convenience Store ATM Fee per Month” Selectable Benefit
Olive account subscribers can choose “1 free convenience store ATM fee per month” as one of their monthly “Selectable Benefits.” If you choose this, your convenience store ATM fee will be waived once during the following month.
Eligible ATMs (Seven Bank, Lawson Bank, E-net) and Ineligible ATMs (AEON Bank, etc.)
The convenience store ATM fee waiver benefits for SMBC Point Pack and Olive apply to three types of ATMs: “Seven Bank ATM,” “Lawson Bank ATM,” and “E-net ATM.” “AEON Bank ATM” at Ministop and “Japan Post Bank ATM” at some Family Mart stores are not eligible for the benefits, and standard fees will apply even if you meet the conditions.
Common Precautions When Using SMBC at Convenience Store ATMs
Transaction Limits: Daily and Per-Transaction Ceilings for Withdrawals, Deposits, and Transfers
Cash cards have a daily transaction limit (default setting: 500,000 yen for withdrawals). This limit can be changed via SMBC Direct or at a branch. Convenience store ATMs may also have their own per-transaction limits (e.g., up to 200,000 yen for withdrawals).
Handling of Coins: Not Supported for Withdrawals or Deposits at Convenience Store ATMs
All partner convenience store ATMs do not handle coin withdrawals or deposits. Only banknotes are handled.
Use of Passbooks: Not Usable for Updates or Transactions at Convenience Store ATMs
At all partner convenience store ATMs, you cannot use an SMBC passbook for updates or transactions. Transactions are for cash cards only.
How to Check System Maintenance Times
During SMBC’s system maintenance periods (e.g., every Sunday from 9:00 PM to 7:00 AM Monday), transactions cannot be performed at any convenience store ATM. It is recommended to check the latest information on the SMBC official website in advance.
Source: Operating Hours : Sumitomo Mitsui Banking Corporation
PIN Management and ATM Security
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. Manage your PIN strictly so that it is not known to others, and avoid using easily guessable numbers.
Q&A on Using SMBC at Convenience Store ATMs
Q1. When do the benefits for SMBC Point Pack and Olive become effective?
A1. For SMBC Point Pack, benefits are applied from the first day of the month two months after the conditions are met. For Olive’s “Selectable Benefits,” they are applied from the first day of the month after you make your selection.
Q2. At which ATMs can I use the Olive selectable benefit “Free Convenience Store ATM Fee”?
A2. It is available at Seven Bank ATMs, Lawson Bank ATMs, and E-net ATMs. AEON Bank ATMs and Japan Post Bank ATMs are not eligible.
Q3. Are the fees for Sumitomo Mitsui Banking Card Debit (SMBC Debit) the same as for a cash card?
A3. Yes, when you use an SMBC Debit for a “cash withdrawal” at a convenience store ATM, the same fee structure as a regular cash card applies.
Q4. Can a corporate cash card be used at convenience store ATMs? If so, are the fees different from those for individual customers?
A4. Corporate cash cards can also be used at partner convenience store ATMs, but the fee structure may differ from that for individual customers. Also, SMBC Point Pack and Olive benefits do not apply. For details, please check SMBC’s service information for corporate clients.
Q5. How is the fee displayed on the convenience store ATM transaction receipt?
A5. For transactions that incur a fee, the fee amount will be clearly stated on the transaction receipt issued by the ATM. It is also common for the receipt to indicate if the transaction was free due to a benefit.
Q6. Is it true that convenience store ATM fees are free on the 25th and 26th of each month?
A6. At Seven Bank ATMs, Lawson Bank ATMs, and E-net ATMs, withdrawal and deposit fees are free from 8:45 AM to 6:00 PM, and discounted to 110 yen at other times.
Q7. If I make a transfer at a convenience store ATM, when will the money be deposited into the recipient’s account?
A7. In principle, the deposit is made immediately. However, depending on the system compatibility of the recipient’s financial institution or the status of the recipient’s account, it may be processed on the next business day.
Q8. If my SMBC 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 SMBC or the ATM operator
If the problem is not resolved, please contact the SMBC call center or a branch.
Source: Inquiries : Sumitomo Mitsui Banking Corporation
Last updated: June 19, 2025