PayPay Bank allows you to easily make deposits, withdrawals, and transfers using a cash card or smartphone app at ATMs in convenience stores nationwide. A key feature is its highly convenient services, characteristic of an online bank, such as fees being waived for transactions of 30,000 yen or more. This article provides a comprehensive guide to the detailed information (fees, operating hours, available services) when using PayPay Bank at major convenience store ATMs (Seven-Eleven, Lawson, FamilyMart, Ministop), as well as how to get fees waived and how to use the cardless “Smartphone ATM” service.
- A Comprehensive Guide to Convenience Store ATMs for PayPay Bank Cash Cards
- PayPay Bank Usage Details by Convenience Store: Fees, Operating Hours, and Available Services
- How to Get Free Convenience Store ATM Fees with PayPay Bank
- How to Use the Cardless “Smartphone ATM” and its Fees
- General Precautions When Using PayPay 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
- About Passbooks: Explanation that PayPay Bank Does Not Issue Passbooks
- How to Check System Maintenance Times
- PIN Management and ATM Security
- Q&A Regarding PayPay Bank Use at Convenience Store ATMs
- Q1. When does the “first free transaction of the month” reset?
- Q2. Is the fee-free benefit for transactions of 30,000 yen or more applicable to both withdrawals and deposits?
- Q3. Are the fees for a cash card with Visa debit function the same?
- Q4. Are the fees for corporate/sole proprietor accounts different from 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. What are the possible reasons why Smartphone ATM might not work?
- Q8. If I receive a transaction receipt from a convenience store ATM, how will the fee be displayed?
A Comprehensive Guide to Convenience Store ATMs for PayPay Bank Cash Cards
PayPay Bank 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 PayPay Bank cash card.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- FamilyMart: E-net ATM (*Excludes some stores)
- Ministop: AEON Bank ATM
PayPay Bank Cash Card & App Availability at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All the convenience store ATMs listed above are compatible with PayPay Bank cash cards. Furthermore, at Seven Bank and Lawson Bank ATMs, you can make “Smartphone ATM” transactions using the PayPay Bank app without a cash card. E-net and AEON Bank ATMs only support cash card transactions.
PayPay 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 PayPay Bank 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 PayPay Bank or each ATM operator for the latest information.
Using PayPay Bank at 7-Eleven (Seven Bank ATM)
Main Available Transactions (Card & Smartphone ATM)
- Withdrawal (Cash Card / Smartphone ATM)
- Deposit (Cash Card / Smartphone ATM)
- Balance Inquiry
- Card Loan
Withdrawal & Deposit Fees: Fee Table for Weekdays, Weekends, and Holidays
| Transaction | Fee |
|---|---|
| First transaction of each month (withdrawal/deposit combined) | Free |
| From the 2nd transaction onwards (under 30,000 yen) | 165 yen |
| From the 2nd transaction onwards (30,000 yen or more) | Free |
Source: PayPay Bank ATM Service | Seven Bank
Transfer Fees: To PayPay Bank and to Other Banks
Transfers are not available at Seven Bank ATMs.
ATM Availability and PayPay Bank System Maintenance Information
Seven Bank ATMs generally operate 24 hours a day, but they are unavailable during PayPay Bank’s system maintenance periods.
Using PayPay Bank at Lawson (Lawson Bank ATM)
Main Available Transactions (Card & Smartphone ATM)
- Withdrawal (Cash Card / Smartphone ATM)
- Deposit (Cash Card / Smartphone ATM)
- Balance Inquiry
- Card Loan
Withdrawal & Deposit Fees: Fee Table for Weekdays, Weekends, and Holidays
| Transaction | Fee |
|---|---|
| First transaction of each month (withdrawal/deposit combined) | Free |
| From the 2nd transaction onwards (under 30,000 yen) | 165 yen |
| From the 2nd transaction onwards (30,000 yen or more) | Free |
Source: PayPay Bank | Lawson Bank
Transfer Fees: To PayPay Bank and to Other Banks
Transfers are not available at Lawson Bank ATMs.
ATM Availability and PayPay Bank System Maintenance Information
Lawson Bank ATMs also operate 24 hours a day in principle, but they are unavailable during PayPay Bank’s system maintenance periods.
Using PayPay Bank at FamilyMart (E-net ATM)
Main Available Transactions (Card Use Only)
- Withdrawal
- Deposit
- Balance Inquiry
Withdrawal & Deposit Fees: Fee Table for Weekdays, Weekends, and Holidays
| Transaction | Fee |
|---|---|
| First transaction of each month (withdrawal/deposit combined) | Free |
| From the 2nd transaction onwards (under 30,000 yen) | 165 yen |
| From the 2nd transaction onwards (30,000 yen or more) | Free |
Source: PayPay Bank | E-net ATM Fees & Service Hours | E-net, INC.
Transfer Fees: To PayPay Bank and to Other Banks
Transfers are not available at E-net ATMs.
ATM Availability and PayPay Bank System Maintenance Information
E-net ATMs also operate 24 hours a day in principle, but they are unavailable during PayPay Bank’s system maintenance periods.
Using PayPay Bank at Ministop (AEON Bank ATM)
Main Available Transactions (Card Use Only)
- Withdrawal
- Deposit
- Balance Inquiry
Withdrawal & Deposit Fees: Fee Table for Weekdays, Weekends, and Holidays
| Transaction | Fee |
|---|---|
| First transaction of each month (withdrawal/deposit combined) | Free |
| From the 2nd transaction onwards (under 30,000 yen) | 165 yen |
| From the 2nd transaction onwards (30,000 yen or more) | Free |
Source: PayPay Bank ATM | Withdrawals are free during weekday daytime hours at AEON Bank ATMs
Transfer Fees: To PayPay Bank and to Other Banks
Transfers are not available at AEON Bank ATMs.
ATM Availability and PayPay Bank System Maintenance Information
AEON Bank ATMs also operate for long hours, but they are unavailable during PayPay Bank’s system maintenance periods.
How to Get Free Convenience Store ATM Fees with PayPay Bank
The First Withdrawal/Deposit Fee of Each Month is Free
At all partner ATMs, PayPay Bank waives the ATM usage fee for the first “withdrawal” or “deposit” of each month. The first combined withdrawal or deposit is eligible to be free.
Unlimited Free Fees for Withdrawals/Deposits of 30,000 Yen or More
Another major feature is that for “withdrawals” or “deposits” where the transaction amount is 30,000 yen or more, the ATM usage fee is free any number of times. Even for transactions after the first one, no fee is charged if the amount is 30,000 yen or more.
Eligible and Ineligible Transactions (e.g., Transfer Fees)
The free fee benefit only applies to ATM usage fees for “withdrawals” and “deposits.” Please note that ATM usage fees incurred during a “transfer” and the transfer fee itself are not eligible for the free fee benefit.
Reset Timing and How to Check Your Free Transaction Count
The “first transaction of the month is free” benefit resets on the 1st of each month. You can check your remaining number of free transactions by logging into the PayPay Bank app or official website.
How to Use the Cardless “Smartphone ATM” and its Fees
What is Smartphone ATM (Cardless ATM)?
Smartphone ATM is a convenient service that allows you to make deposits and withdrawals at an ATM using your smartphone app, even if you don’t have your PayPay Bank cash card with you. You can complete transactions by following the procedures on the app and scanning the QR code displayed on the ATM.
Available Convenience Store ATMs (Seven Bank ATM & Lawson Bank ATM)
Smartphone ATM can be used at Seven Bank ATMs and Lawson Bank ATMs. It is not available at FamilyMart (E-net ATMs) or Ministop (AEON Bank ATMs).
Smartphone ATM Operating Procedures and Important Notes
The basic operating steps are as follows:
1. Launch the PayPay Bank app, select “Smartphone ATM,” and enter the transaction type (deposit/withdrawal) and amount.
2. On the ATM screen, select “Transactions with Smartphone” or a similar option.
3. Scan the QR code displayed on the ATM with the app.
4. Enter the corporate number displayed in the app into the ATM to complete the transaction.
You need to download and complete the initial setup of the app beforehand.
Usage Fees and Limits (Comparison with Cash Card Use)
The usage fees for Smartphone ATM are exactly the same as when using a cash card. The benefits of the first transaction of the month being free and transactions of 30,000 yen or more being free apply in the same way. The transaction limits set for your cash card also apply.
Source: Cardless ATM – PayPay Bank App – PayPay Bank
General Precautions When Using PayPay Bank at Convenience Store ATMs
Transaction Limits: Daily and Per-Transaction Limits for Withdrawals, Deposits, and Transfers
PayPay Bank cash cards have a daily transaction limit. The initial settings are 500,000 yen for withdrawals and 300,000 yen for transfers. This limit can be changed from the screen after logging in. 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.
About Passbooks: Explanation that PayPay Bank Does Not Issue Passbooks
As PayPay Bank is an internet-only bank, it does not issue paper passbooks. Transaction histories, such as deposit and withdrawal statements, must be checked by logging into the PayPay Bank app or official website.
How to Check System Maintenance Times
During PayPay Bank’s system maintenance periods, no PayPay Bank transactions can be made at any convenience store ATM. It is recommended to check the latest information in advance on the official PayPay 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 PayPay Bank Use at Convenience Store ATMs
Q1. When does the “first free transaction of the month” reset?
A1. It resets on the 1st of each month. For example, if you used your free transaction in June, on July 1st, your first transaction will be free again.
Q2. Is the fee-free benefit for transactions of 30,000 yen or more applicable to both withdrawals and deposits?
A2. Yes, it applies to both withdrawals and deposits. If you deposit or withdraw 30,000 yen or more in a single transaction, no ATM usage fee will be charged.
Q3. Are the fees for a cash card with Visa debit function the same?
A3. Yes, PayPay Bank cash cards come with a Visa debit function as standard. When used for a “cash withdrawal” at a convenience store ATM, the fee structure explained in this article applies.
Q4. Are the fees for corporate/sole proprietor accounts different from personal accounts?
A4. They are the same as for personal accounts. The benefits of the first transaction of the month being free and transactions of 30,000 yen or more being free apply.
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 or the state of the recipient’s account, 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. Since PayPay Bank’s ATM fees do not depend on the day of the week or holidays, they remain the same during the year-end/New Year and Golden Week periods. However, service hours may change due to system maintenance.
Q7. What are the possible reasons why Smartphone ATM might not work?
A7. The main possible reasons are: ① attempting to use it at an unsupported ATM like an E-net or AEON Bank ATM, ② poor smartphone network connection, or ③ during system maintenance by either PayPay Bank or the ATM operator.
Q8. If I receive a transaction receipt from a convenience store ATM, how will the fee be displayed?
A8. For transactions that incur a fee, the amount of the ATM usage fee will be clearly stated on the receipt issued by the ATM. If the fee was waived, it will be displayed as “0 yen.”
Source: Contact & Information (Individual Customers) – PayPay Bank