Bank of Yokohama cash cards can be conveniently used at ATMs located in major convenience stores nationwide. However, it’s important to understand the system beforehand, as fees vary depending on the convenience store and time of day. This article provides a comprehensive guide to the detailed information (fees, operating hours, available services) when using a Bank of Yokohama cash card at major convenience store ATMs (Seven-Eleven, Lawson, FamilyMart, Ministop), as well as how to utilize the “Zero Fee” service to get fees waived.
- A Comprehensive Guide to Convenience Store ATMs for Bank of Yokohama Cash Cards
- Bank of Yokohama Usage Details by Convenience Store: Fees, Operating Hours, and Available Services
- How to Get Free Convenience Store ATM Fees with Zero Fee
- General Precautions When Using Bank of Yokohama 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
- Use of Passbooks: Not Available for Updates or Transactions at Convenience Store ATMs
- How to Check System Maintenance Times
- PIN Management and ATM Security
- Q&A Regarding Bank of Yokohama Use at Convenience Store ATMs
- Q1. When do the Zero Fee benefits apply?
- Q2. Are the fees the same at convenience store ATMs outside of Kanagawa Prefecture?
- Q3. Are the fees for a Bank of Yokohama Debit Card the same as a regular cash card?
- Q4. Can corporate cash cards be used at convenience store ATMs? Are the fees different from those for personal accounts?
- Q5. If I make a transfer at a convenience store ATM, when will it be reflected in the recipient’s account?
- Q6. What are the fees and operating hours during the year-end/New Year and Golden Week holidays?
- Q7. Is there a fee waiver for <Hamagin> MyDirect (internet banking) users?
- Q8. What are the possible reasons if my Bank of Yokohama cash card doesn’t work at a convenience store ATM?
A Comprehensive Guide to Convenience Store ATMs for Bank of Yokohama Cash Cards
Bank of Yokohama cash cards can be used at many convenience store ATMs through a nationwide network of partner ATMs. First, let’s summarize an overview of which ATMs are available at 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 across Japan and can be used with a Bank of Yokohama cash card.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- FamilyMart: E-net ATM (*Excludes some stores)
- Ministop: AEON Bank ATM
Bank of Yokohama Cash Card Service Availability at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All the convenience store ATMs listed above are compatible with Bank of Yokohama cash cards. While standard fees typically apply depending on the ATM type and time of day, a key feature is that fees can be waived at certain convenience store ATMs by meeting the conditions for the “Zero Fee” service. As a general rule, Bank of Yokohama passbooks cannot be used at these ATMs.
Bank of Yokohama Usage Details by Convenience Store: Fees, Operating Hours, and Available Services
From here, let’s take a closer look at the fees, available hours, and main services when using a Bank of Yokohama cash card at ATMs located in each convenience store.
*All fees are tax-inclusive. The following are the basic fees without applying “Zero Fee” benefits. Information is current as of June 2025. Please check the official websites of Bank of Yokohama or each ATM operator for the latest information.
Using Bank of Yokohama at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Balance Inquiry
- Card Loan
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | All day | 220 yen |
| Saturdays, Sundays, Holidays | All day | 220 yen |
Source: Bank of Yokohama ATM Service | Seven Bank
Transfer Fees: To Bank of Yokohama Branches and to Other Banks
Transfers are not available at Seven Bank ATMs.
ATM Availability and Bank of Yokohama System Maintenance Information
Seven Bank ATMs generally operate 24 hours a day, but they are unavailable during Bank of Yokohama’s system maintenance periods.
Main maintenance hours: 2:00 AM to 6:00 AM on the 1st and 3rd Monday of each month
Please note that all transactions will be suspended during these times.
Using Bank of Yokohama at Lawson (Lawson Bank ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Transfer
- Balance Inquiry
- Card Loan
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | All day | 220 yen |
| Saturdays, Sundays, Holidays | All day | 220 yen |
Source: Bank of Yokohama | Lawson Bank
Transfer Fees: To Bank of Yokohama Branches and to Other Banks
| Recipient | Transfer Amount | Fee |
|---|---|---|
| To Bank of Yokohama branches | Under 30,000 yen | 220 yen |
| To Bank of Yokohama branches | 30,000 yen or more | 330 yen |
| To other banks | Under 30,000 yen | 385 yen |
| To other banks | 30,000 yen or more | 550 yen |
*In addition to the transfer fees above, a separate ATM usage fee (110 yen) is required.
Source: Transfer Fees (per transaction) | Fee List | Bank of Yokohama
ATM Availability and Bank of Yokohama System Maintenance Information
Lawson Bank ATMs also operate 24 hours a day in principle, but they are unavailable during Bank of Yokohama’s system maintenance periods (e.g., 2:00 AM to 6:00 AM on the 1st and 3rd Monday of each month).
Using Bank of Yokohama at FamilyMart (E-net ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Transfer
- Balance Inquiry
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | All day | 220 yen |
| Saturdays, Sundays, Holidays | All day | 220 yen |
Source: Bank of Yokohama | E-net ATM Fees & Service Hours | E-net, INC.
Transfer Fees: To Bank of Yokohama Branches and to Other Banks
| Recipient | Transfer Amount | Fee |
|---|---|---|
| To Bank of Yokohama branches | Under 30,000 yen | 220 yen |
| To Bank of Yokohama branches | 30,000 yen or more | 330 yen |
| To other banks | Under 30,000 yen | 385 yen |
| To other banks | 30,000 yen or more | 550 yen |
*In addition to the transfer fees above, a separate ATM usage fee (110 yen) is required.
Source: Transfer Fees (per transaction) | Fee List | Bank of Yokohama
ATM Availability and Bank of Yokohama System Maintenance Information
E-net ATMs also operate 24 hours a day in principle, but they are unavailable during Bank of Yokohama’s system maintenance periods (e.g., 2:00 AM to 6:00 AM on the 1st and 3rd Monday of each month).
Using Bank of Yokohama at Ministop (AEON Bank ATM)
Main Available Transactions
- Withdrawal
- Balance Inquiry
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and 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 |
Source: Bank of Yokohama Service Hours & ATM Fees | AEON Bank
Transfer Fees: To Bank of Yokohama Branches and to Other Banks
Transfers are not available at AEON Bank ATMs.
ATM Availability and Bank of Yokohama System Maintenance Information
AEON Bank ATMs also operate for long hours, but they are unavailable during Bank of Yokohama’s system maintenance periods (e.g., 2:00 AM to 6:00 AM on the 1st and 3rd Monday of each month).
How to Get Free Convenience Store ATM Fees with Zero Fee
Overview and Benefits of the Zero Fee Service
The Zero Fee service is a program that waives usage fees not only at Bank of Yokohama ATMs but also at partner convenience store ATMs by meeting certain conditions. By using this service, you can use ATMs without worrying about the time or day of the week.
The Two Conditions to Get Convenience Store ATM Fees Waived
You become eligible for the Zero Fee service by meeting the following two conditions.
- Condition 1: Register for use of the “Hamagin 365” smartphone app, or complete the initial registration for <Hamagin> MyDirect.
- Condition 2: Have a contract for the “Yokohama Bank Card,” a cash card with a credit function, or register your account for use with the “HamaPay” smartphone payment service.
Eligible Partner Convenience Store ATMs for the Benefit (E-net, Lawson Bank, Seven Bank)
The Zero Fee service applies to four types of ATMs: Seven Bank ATM, Lawson Bank ATM, E-net ATM, and AEON Bank ATM. At these ATMs, after-hours fees (110 yen or 220 yen) will be waived for a total of two times between the 15th of one month and the 14th of the next month.
How to Enroll in Zero Fee and When It Applies
No application is required for the Zero Fee service; it is applied automatically once you meet the conditions. Your eligibility is checked at the end of each month, and the benefit starts from the 15th of the following month.
Source: Zero Fee | Bank of Yokohama
General Precautions When Using Bank of Yokohama at Convenience Store ATMs
Transaction Limits: Daily and Per-Transaction Limits for Withdrawals, Deposits, and Transfers
Bank of Yokohama cash cards have a daily transaction limit. The initial setting for an IC cash card is 1,000,000 yen for withdrawals. This limit can be changed at a branch or via <Hamagin> MyDirect. Additionally, convenience store ATMs themselves may have per-transaction limits (e.g., withdrawals up to 200,000 yen, deposits up to 500,000 yen).
Handling of Coins: Not Supported for Withdrawals or Deposits at Convenience Store ATMs
At all convenience store ATMs (Seven Bank ATM, Lawson Bank ATM, E-net ATM, AEON Bank ATM), coin withdrawals and deposits are not possible. Only banknotes are handled.
Use of Passbooks: Not Available for Updates or Transactions at Convenience Store ATMs
At all convenience store ATMs, you cannot use a Bank of Yokohama passbook for updates or transactions. Transactions at convenience store ATMs are only possible with a cash card.
How to Check System Maintenance Times
During Bank of Yokohama’s system maintenance periods (e.g., 2:00 AM to 6:00 AM on the 1st and 3rd Monday of each month), no Bank of Yokohama transactions can be made at any convenience store ATM. Since temporary maintenance may also occur, it is recommended to check the latest information in advance on the official Bank of Yokohama website.
Source: Bank of Yokohama | For Individual Customers
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. Also, manage your PIN strictly so that it is not known to others, and avoid using easily guessable numbers like your date of birth.
Q&A Regarding Bank of Yokohama Use at Convenience Store ATMs
Q1. When do the Zero Fee benefits apply?
A1. Your eligibility is checked based on your transaction status at the end of each month, and the benefits apply from the 15th of the following month. For example, if you meet the conditions in June, the benefits will apply from July 15th.
Q2. Are the fees the same at convenience store ATMs outside of Kanagawa Prefecture?
A2. Yes, for Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs, the fee structure is the same even when used at stores outside of Kanagawa Prefecture. The Zero Fee waiver benefit also applies in the same way (excluding AEON Bank ATMs).
Q3. Are the fees for a Bank of Yokohama Debit Card the same as a regular cash card?
A3. A Bank of Yokohama debit card is a service that allows you to make direct, instant payments with your cash card or Yokohama Bank Card. When you use it for a “cash withdrawal” at a convenience store ATM, the standard fee structure applies.
Q4. Can corporate cash cards be used at convenience store ATMs? Are the fees different from those for personal accounts?
A4. Corporate cash cards can also be used at partner convenience store ATMs, but the fee structure is different from personal accounts. Also, the “Zero Fee” benefits do not apply. Please check Bank of Yokohama’s guide for corporate services for details.
Q5. If I make a transfer at a convenience store ATM, when will it be reflected in the recipient’s account?
A5. If the recipient’s financial institution supports 24-hour instant transfers, it will generally be reflected immediately. However, depending on the system status of the recipient’s financial institution, the state of the recipient’s account, or the time the transfer is made, it may be processed on the next business day.
Q6. What are the fees and operating hours during the year-end/New Year and Golden Week holidays?
A6. For public holidays and substitute holidays, the Sunday fee structure applies. During the year-end/New Year and Golden Week periods, the fees basically follow the calendar, but service hours may change due to system maintenance. It is recommended to check the announcements on the official Bank of Yokohama website in advance.
Q7. Is there a fee waiver for <Hamagin> MyDirect (internet banking) users?
A7. There is no convenience store ATM fee waiver just for having a <Hamagin> MyDirect contract. To receive the fee waiver, you must meet the conditions for the “Zero Fee” service.
Q8. What are the possible reasons if my Bank of Yokohama cash card 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 (including the amount for fees)
・During system maintenance by Bank of Yokohama or the ATM operator
If the issue is not resolved, please contact the Bank of Yokohama call center or a branch.