Rakuten Bank cash cards can be used at ATMs in major convenience stores nationwide, further enhancing the convenience of this online bank. However, fees vary depending on the convenience store and transaction type, and leveraging the “Happy Program” rewards program is essential to make transactions free of charge. This article provides a comprehensive guide to the fees, operating hours, available services like transfers when using a Rakuten Bank card at convenience store ATMs (Seven-Eleven, Lawson, FamilyMart, Ministop), and how to maximize the benefits of the Happy Program.
- A Comprehensive Guide to Convenience Store ATMs for Rakuten Bank Cash Cards
- Rakuten Bank Usage Details by Convenience Store: Fees, Operating Hours, and Available Services
- How to Get Free Convenience Store ATM Fees with Happy Program Benefits
- General Precautions When Using Rakuten Bank at Convenience Store ATMs
- Transaction Limits: Daily and Per-Transaction Limits for Withdrawals, Deposits, and Transfers
- Handling of Coins: Not Supported for Withdrawals or Deposits at Convenience Store ATMs
- Cash Card and Smartphone ATM: How to Use Rakuten Bank ATMs
- How to Check System Maintenance Times
- PIN Management and ATM Security
- Q&A Regarding Rakuten Bank Use at Convenience Store ATMs
- Q1. When do the Happy Program’s free ATM fee benefits apply?
- Q2. Are the fees for a Rakuten Bank Debit Card the same as a cash card?
- Q3. If I make a transfer at a convenience store ATM, when will it be reflected in the recipient’s account?
- Q4. Can I use a convenience store ATM without a card by using “Smartphone ATM”? What are the fees in that case?
- Q5. If I exceed my number of free transactions, when is the fee deducted?
- Q6. What are the fees and operating hours during the year-end/New Year and Golden Week holidays?
- Q7. Can corporate account cash cards be used at convenience store ATMs? Are the fees different from those for personal accounts?
- Q8. What are the possible reasons if my Rakuten Bank cash card or Smartphone ATM doesn’t work at a convenience store ATM?
A Comprehensive Guide to Convenience Store ATMs for Rakuten Bank Cash Cards
Rakuten Bank cash cards can be used across a wide network of convenience store ATMs throughout Japan. First, let’s get an overview of which ATMs are affiliated with which convenience stores.
Partner ATMs Available at Major Convenience Store Chains (7-Eleven, Lawson, FamilyMart, Ministop)
The following ATMs are installed in major convenience store chains, where both Rakuten Bank cash cards and the Smartphone ATM service are available.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- FamilyMart: E-net ATM (*Excludes some stores)
- Ministop: AEON Bank ATM
Rakuten Bank Cash Card Service Availability 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 Rakuten Bank cash cards. The fee structure varies slightly depending on the ATM, with a notable feature being that deposits of 30,000 yen or more are free. Additionally, there are benefits that make fees free according to your member stage in the “Happy Program.”
Rakuten Bank Usage Details by Convenience Store: Fees, Operating Hours, and Available Services
From here, we will detail the specific fees, available hours, and services when using Rakuten Bank at each convenience store ATM.
*All fees are tax-inclusive. The following are the basic fees without applying “Happy Program” benefits. Information is current as of June 2025.
Using Rakuten Bank at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Balance Inquiry
Withdrawal & Deposit Fees: Fee Table for Weekdays, Weekends, and Holidays
| Transaction Type | Fee |
|---|---|
| Withdrawal | 220 yen |
| Deposit (under 30,000 yen) | 220 yen |
| Deposit (30,000 yen or more) | Free |
Source: Rakuten Bank ATM Service | Seven Bank
Transfer Fees: To Rakuten Bank and to Other Banks
Transfers are not available at Seven Bank ATMs.
ATM Availability and Rakuten Bank System Maintenance Information
Seven Bank ATMs operate 24 hours a day in principle, but they are unavailable during Rakuten Bank’s system maintenance periods. Please check the official Rakuten Bank website for details.
Using Rakuten Bank at Lawson (Lawson Bank ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Balance Inquiry
Withdrawal & Deposit Fees: Fee Table for Weekdays, Weekends, and Holidays
| Transaction Type | Fee |
|---|---|
| Withdrawal | 275 yen |
| Deposit (under 30,000 yen) | 275 yen |
| Deposit (30,000 yen or more) | Free |
Source: Guide to ATMs & Convenience Store ATMs | Rakuten Bank
Transfer Fees: To Rakuten Bank and to Other Banks
Transfers are not available at Lawson Bank ATMs.
ATM Availability and Rakuten Bank System Maintenance Information
Lawson Bank ATMs also operate 24 hours a day in principle, but they are unavailable during Rakuten Bank’s system maintenance periods. Main maintenance times: for up to 15 minutes between 3:00 AM and 4:00 AM, etc.
Using Rakuten Bank at FamilyMart (E-net ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Balance Inquiry
Withdrawal & Deposit Fees: Fee Table for Weekdays, Weekends, and Holidays
| Transaction Type | Fee |
|---|---|
| Withdrawal | 275 yen |
| Deposit (under 30,000 yen) | 275 yen |
| Deposit (30,000 yen or more) | Free |
Source: Guide to ATMs & Convenience Store ATMs | Rakuten Bank
Transfer Fees: To Rakuten Bank and to Other Banks
Transfers are not available at E-net ATMs.
ATM Availability and Rakuten Bank System Maintenance Information
E-net ATMs also operate 24 hours a day in principle, but they are unavailable during Rakuten Bank’s system maintenance periods. Main maintenance times: for up to 15 minutes between 3:00 AM and 5:00 AM, etc.
Using Rakuten Bank at Ministop (AEON Bank ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Balance Inquiry
Withdrawal & Deposit Fees: Fee Table for Weekdays, Weekends, and Holidays
| Transaction Type | Fee |
|---|---|
| Withdrawal | 220 yen |
| Deposit (under 30,000 yen) | 220 yen |
| Deposit (30,000 yen or more) | Free |
Source: Guide to ATMs & Convenience Store ATMs | Rakuten Bank
Transfer Fees: To Rakuten Bank and to Other Banks
Transfers are not available at AEON Bank ATMs.
ATM Availability and Rakuten Bank System Maintenance Information
AEON Bank ATMs also operate 24 hours a day in principle, but they are unavailable during Rakuten Bank’s system maintenance periods. Main maintenance times: 2:00 AM – 6:30 AM on the 2nd Monday of each month, and 10:00 PM on Sunday to 7:30 AM on Monday of a Happy Monday week, etc.
How to Get Free Convenience Store ATM Fees with Happy Program Benefits
Overview of the Happy Program and How Member Stages Work
The Happy Program is Rakuten Bank’s customer rewards program. Enrollment is free, and your member stage (Basic, Advanced, Premium, VIP, Super VIP) is determined each month based on your account balance or number of transactions. You are granted a certain number of free convenience store ATM transactions based on this stage.
Number of Free Convenience Store ATM Transactions by Member Stage
Free ATM Transactions for Basic & Advanced Stages
- Basic: 0 times/month
- Advanced: Free up to 1 time/month
Free ATM Transactions for Premium Stage
At the “Premium” stage, ATM fees are free up to 2 times/month.
Free ATM Transactions for VIP Stage
At the “VIP” stage, ATM fees are free up to 5 times/month.
Free ATM Transactions for Super VIP Stage
At the “Super VIP” stage, ATM fees are free up to 7 times/month.
Conditions to Level Up Your Member Stage (Account Balance / Transaction Count)
Your member stage is determined by your “account balance” or “number of eligible transactions” as of the end of the 25th of each month. For example, the Advanced stage requires a balance of 100,000 yen or more, or 5 or more transactions. The VIP stage requires a balance of 1,000,000 yen or more, or 20 or more transactions. Receiving salary, transfers from other banks, and debit card usage also count towards the transaction count.
Reset Timing and How to Check Your Free Transaction Count
The number of free ATM transactions resets on the 1st of each month. You can easily check your current stage and remaining free transactions by logging into the Rakuten Bank website or app.
General Precautions When Using Rakuten Bank at Convenience Store ATMs
Transaction Limits: Daily and Per-Transaction Limits for Withdrawals, Deposits, and Transfers
Cash cards have a daily transaction limit (default setting: 500,000 yen). This limit can be changed on the Rakuten Bank app or website. Additionally, convenience store ATMs may have their own per-transaction limits (e.g., withdrawals up to 200,000 yen).
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.
Cash Card and Smartphone ATM: How to Use Rakuten Bank ATMs
In addition to physical cash cards, Rakuten Bank offers a “Smartphone ATM” service through the Rakuten Bank app. This allows you to make cardless transactions at Seven Bank and Lawson Bank ATMs.
How to Check System Maintenance Times
During Rakuten Bank’s system maintenance periods, transactions cannot be made at any convenience store ATM. It is recommended to check the official Rakuten Bank website in advance for information on scheduled and temporary maintenance.
Source: Service Hours & Maintenance | Rakuten Bank
PIN Management and ATM Security
When using an ATM, 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 Regarding Rakuten Bank Use at Convenience Store ATMs
Q1. When do the Happy Program’s free ATM fee benefits apply?
A1. Your stage is determined based on your transaction status at the end of the 25th of each month, and the benefits of the new stage apply from the 1st of the following month.
Q2. Are the fees for a Rakuten Bank Debit Card the same as a cash card?
A2. Yes, when you use the cash card function of a Rakuten Bank Debit Card for withdrawals or deposits at a convenience store ATM, the same fee structure as a regular cash card applies.
Q3. If I make a transfer at a convenience store ATM, when will it be reflected in the recipient’s account?
A3. In principle, it is reflected instantly. However, depending on the system status of the recipient’s financial institution or the state of the recipient’s account, it may be processed on the next business day.
Q4. Can I use a convenience store ATM without a card by using “Smartphone ATM”? What are the fees in that case?
A4. Yes, by using the “Smartphone ATM” feature in the Rakuten Bank app, you can make transactions at Seven Bank and Lawson Bank ATMs without a card. The fees are exactly the same as when using a cash card. The free transaction count from the Happy Program also applies.
Q5. If I exceed my number of free transactions, when is the fee deducted?
A5. The fee is deducted from your account at the same time as the ATM transaction. If you have free transactions remaining, no fee will be charged.
Q6. What are the fees and operating hours during the year-end/New Year and Golden Week holidays?
A6. Rakuten Bank’s convenience store ATM fees are uniform regardless of the day of the week or holidays, so the fees do not change during the year-end/New Year or long holiday periods. Operating hours are generally as usual, but please check the official website for announcements and other details.
Q7. Can corporate account cash cards be used at convenience store ATMs? Are the fees different from those for personal accounts?
A7. Corporate business account cash cards can also be used at partner convenience store ATMs, but the fee structure is different from that for personal accounts. Also, the Happy Program does not apply. Please check Rakuten Bank’s corporate service guide for details.
Q8. What are the possible reasons if my Rakuten Bank cash card or Smartphone ATM doesn’t work at a convenience store ATM?
A8. The main possible reasons are as follows:
・Incorrect PIN, or the card being locked 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 Rakuten Bank or the ATM operator
・In the case of “Smartphone ATM,” poor smartphone network connection
If the issue is not resolved, please contact the Rakuten Bank Customer Center.
Source: Contact Us | Rakuten Bank
Last updated: June 19, 2025