Higo Bank 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) and important notes when using a Higo Bank cash card at major convenience store ATMs (Seven-Eleven, Lawson, FamilyMart, Ministop).
- A Comprehensive Guide to Convenience Store ATMs for Higo Bank Cash Cards
- Higo Bank Usage Details by Convenience Store: Fees, Operating Hours, and Available Services
- General Precautions When Using Higo 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
- 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 Higo Bank Use at Convenience Store ATMs
- Q1. Are there any permanent services that currently make convenience store ATM fees free?
- Q2. Do the benefits of the Higin Point Service “Waku Waku Club” include convenience store ATM fee waivers?
- Q3. Are the fees for a JCB Debit-enabled cash card the same?
- 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. Are the fees the same at convenience store ATMs outside of Kumamoto Prefecture?
- Q8. What are the possible reasons if my Higo Bank cash card doesn’t work at a convenience store ATM?
A Comprehensive Guide to Convenience Store ATMs for Higo Bank Cash Cards
Higo Bank 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 Higo Bank cash card.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- FamilyMart: E-net ATM (*Excludes some stores)
Higo Bank 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 Higo Bank cash cards. However, standard fees apply depending on the ATM type and time of day. Currently, there are no permanent fee waiver services that make convenience store ATM fees free. As a general rule, Higo Bank passbooks cannot be used at these ATMs.
Higo Bank 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 Higo Bank cash card at ATMs located in each convenience store.
*All fees are tax-inclusive. Information is current as of June 2025. Please check the official websites of Higo Bank or each ATM operator for the latest information.
Using Higo Bank at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Withdrawal
- Deposit
- 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: Higo Bank ATM Service | Seven Bank
Transfer Fees: To Higo Bank and to Other Banks
Transfers are not available at Seven Bank ATMs.
ATM Availability and Higo Bank System Maintenance Information
Seven Bank ATMs generally operate 24 hours a day, but they are unavailable during Higo Bank’s system maintenance periods.
Main maintenance hours: Every Saturday 9:00 PM to 7:00 AM the next day, Every Sunday 9:00 PM to 7:00 AM the next day
Please note that all transactions will be suspended during these times.
Using Higo Bank 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 | 8:45 AM – 6:00 PM | 110 yen |
| Weekdays | Other times | 220 yen |
| Saturdays, Sundays, Holidays | All day | 220 yen |
Source: Higo Bank | Lawson Bank
Transfer Fees: To Higo Bank and to Other Banks
| Recipient | Fee |
|---|---|
| To Higo Bank | 165 yen |
| To other banks | 550 yen |
*In addition to the transfer fees above, a separate ATM usage fee (110 yen or 220 yen) is required.
Source: Convenience Store ATMs | Branch & ATM Guide | Higo Bank
ATM Availability and Higo Bank System Maintenance Information
Lawson Bank ATMs also operate 24 hours a day in principle, but they are unavailable during Higo Bank’s system maintenance periods (e.g., every Saturday 9:00 PM to 7:00 AM the next day, every Sunday 9:00 PM to 7:00 AM the next day).
Using Higo Bank 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 | 8:45 AM – 6:00 PM | 110 yen |
| Weekdays | Other times | 220 yen |
| Saturdays, Sundays, Holidays | All day | 220 yen |
Source: Higo Bank | E-net ATM Fees & Service Hours | E-net, INC.
Transfer Fees: To Higo Bank and to Other Banks
| Recipient | Fee |
|---|---|
| To Higo Bank | 165 yen |
| To other banks | 550 yen |
*In addition to the transfer fees above, a separate ATM usage fee (110 yen or 220 yen) is required.
Source: Convenience Store ATMs | Branch & ATM Guide | Higo Bank
ATM Availability and Higo Bank System Maintenance Information
E-net ATMs also operate 24 hours a day in principle, but they are unavailable during Higo Bank’s system maintenance periods (e.g., every Saturday 9:00 PM to 7:00 AM the next day, every Sunday 9:00 PM to 7:00 AM the next day).
Using Higo Bank at Ministop (AEON Bank ATM)
Main Available Transactions
Higo Bank cash cards cannot be used.
General Precautions When Using Higo Bank at Convenience Store ATMs
Transaction Limits: Daily and Per-Transaction Limits for Withdrawals, Deposits, and Transfers
Higo Bank cash cards have a daily transaction limit. The initial setting for withdrawals with an IC cash card is 1,000,000 yen per day. This limit can be changed at a branch. 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 Higo Bank passbook for updates or transactions. Transactions at convenience store ATMs are only possible with a cash card.
How to Check System Maintenance Times
During Higo Bank’s system maintenance periods (e.g., every Saturday 9:00 PM to 7:00 AM the next day, every Sunday 9:00 PM to 7:00 AM the next day), no Higo Bank 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 Higo Bank website.
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 Higo Bank Use at Convenience Store ATMs
Q1. Are there any permanent services that currently make convenience store ATM fees free?
A1. As of June 2025, Higo Bank does not offer any permanent fee waiver services that make convenience store ATM usage fees free. The standard fee is charged for each transaction.
Q2. Do the benefits of the Higin Point Service “Waku Waku Club” include convenience store ATM fee waivers?
A2. No, the benefits of the Higin Point Service “Waku Waku Club” do not include a service to waive partner convenience store ATM usage fees. The benefits of this service are mainly focused on things like waiving after-hours fees at Higo Bank’s own ATMs.
Q3. Are the fees for a JCB Debit-enabled cash card the same?
A3. Yes, when you use the “Higo Bank JCB Debit Card,” a cash card with a JCB debit function, for a “cash withdrawal” at a convenience store ATM, the same fee structure as a regular cash card 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 may be different from personal accounts. Please check Higo Bank’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 Higo Bank website in advance.
Q7. Are the fees the same at convenience store ATMs outside of Kumamoto Prefecture?
A7. Yes, for Seven Bank, Lawson Bank, and E-net ATMs, the fee structure is the same even when used at stores outside of Kumamoto Prefecture.
Q8. What are the possible reasons if my Higo Bank 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 Higo Bank or the ATM operator
If the issue is not resolved, please contact the Higo Bank call center or a branch.
Source: Contact Us | FAQ | Higo Bank