ACOM’s AC Card can be used for borrowing and repayments at affiliated ATMs located in convenience stores nationwide. The ability to complete transactions at a nearby convenience store when you need cash for a sudden expense or when a repayment deadline is approaching is a major advantage. However, fees may apply depending on the convenience store ATM and the transaction amount, and you should also be aware of the operating hours. This article provides a comprehensive guide, from detailed information on using your ACOM card at major convenience store ATMs (Seven-Eleven, Lawson, etc.) to instructions on how to use the cardless “Smartphone ATM” service.
- A Comprehensive Guide to Convenience Store ATMs for ACOM
- [By Store] Detailed Guide to ACOM ATM Use: Borrowing/Repayment Fees & Hours
- A Complete Guide to Borrowing & Repaying with the Cardless “Smartphone ATM”
- General Points of Caution When Using ACOM at Convenience Store ATMs
- Transaction Limits: Per-Transaction and Daily Borrowing/Repayment Caps
- Fee Timing and How to Check on Your Statement
- Handling of Coins: Repayment Deposits Not Supported at Convenience Store ATMs
- Handling of Change: Repayments in ¥1,000 Increments and Balance Processing
- PIN Management and Security: For Safe ATM Use
- Q&A on Using ACOM at Convenience Store ATMs
- Q1. If I make a repayment at a convenience store ATM, will my available credit be restored immediately?
- Q2. Can I use the Smartphone ATM at Lawson or FamilyMart?
- Q3. What is the maximum amount I can borrow or repay at a convenience store ATM?
- Q4. Can I use convenience store ATMs during the New Year holidays or on public holidays? Do the fees change?
- Q5. Is it possible to repay an amount less than ¥1,000 at a convenience store ATM?
- Q6. Is there a difference in fees between ACOM’s own ATMs and convenience store ATMs?
- Q7. What should I do if the convenience store ATM doesn’t recognize my ACOM card?
- Q8. Do I have to take the ATM transaction receipt every time?
A Comprehensive Guide to Convenience Store ATMs for ACOM
ACOM’s AC Card can be used at a vast network of affiliated financial institutions and convenience store ATMs across Japan. Here, we provide an overview of which convenience stores offer ACOM services.
Availability at Major Convenience Stores (Seven-Eleven & Lawson)
For ACOM borrowing and repayments, the most frequently used are the ATMs installed in major convenience stores. The following two companies are particularly convenient partners due to their large number of stores nationwide.
- Seven-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
ACOM AC Card Compatibility at Seven Bank and Lawson Bank ATMs
Both Seven Bank ATMs and Lawson Bank ATMs support borrowing and repayments with an ACOM AC Card. In principle, they are available 24 hours a day, allowing for flexible use according to your schedule. Additionally, both Seven Bank and Lawson Bank ATMs support the cardless “Smartphone ATM” transactions, which will be described later.
Other Affiliated Convenience Store ATMs (FamilyMart, Ministop, etc.)
In addition to Seven-Eleven and Lawson, ACOM is affiliated with ATMs installed in the following convenience stores.
- FamilyMart, etc.: E-net ATM
- Ministop, etc.: AEON Bank ATM
Availability and Important Notes for E-net and AEON Bank ATMs
E-net ATMs, found in convenience stores like FamilyMart, Daily Yamazaki, and Poplar, can be used for ACOM transactions. Similarly, you can borrow and repay at AEON Bank ATMs, which are located in stores like Ministop. However, some stores may not have an ATM, or may have a non-affiliated ATM, so it’s best to confirm in advance.
[By Store] Detailed Guide to ACOM ATM Use: Borrowing/Repayment Fees & Hours
From here, we will detail the fees, available hours, and main services for ACOM transactions at each convenience store ATM.
*All fees include tax. Information is current as of June 2025. Please check the official websites of ACOM or each ATM operator for the latest information.
Using ACOM at Seven-Eleven (Seven Bank ATM)
Available Transactions
- Borrowing
- Repayment
Borrowing & Repayment Fees: Tiered by Transaction Amount
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
*Note: This fee applies to both borrowing and repayment transactions.
Source: ACOM ATM Service | Seven Bank
ATM Availability and ACOM Maintenance Information
Seven Bank ATMs are generally operational 24 hours a day, 365 days a year, but they cannot be used during ACOM’s system maintenance periods.
Main Maintenance Window: Every Monday from 1:00 AM to 5:00 AM
Please be aware that all transactions are suspended during this time. Other temporary maintenance may also occur.
Using ACOM at Lawson (Lawson Bank ATM)
Available Transactions
- Borrowing
- Repayment
Borrowing & Repayment Fees: Tiered by Transaction Amount
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
*Note: This fee applies to both borrowing and repayment transactions.
Source: ACOM | Lawson Bank
ATM Availability and ACOM Maintenance Information
Lawson Bank ATMs are also generally available 24 hours a day, but transactions are not possible during ACOM’s system maintenance window (every Monday, 1:00 AM – 5:00 AM). Other unscheduled maintenance on the ATM itself may also occur.
Using Other Affiliated ATMs like FamilyMart (E-net ATM)
Overview of Fees and Operating Hours
You can also borrow from and repay to ACOM at E-net ATMs installed in stores like FamilyMart and at AEON Bank ATMs in Ministop. The fees are the same as Seven Bank and Lawson Bank ATMs: ¥110 or ¥220 depending on the transaction amount. While they are generally available 24 hours a day, they cannot be used during ACOM’s regular maintenance window (every Monday, 1:00 AM – 5:00 AM).
Source: Available Convenience Store and Financial Institution ATMs | ACOM
A Complete Guide to Borrowing & Repaying with the Cardless “Smartphone ATM”
ACOM offers a “Smartphone ATM” service that allows you to borrow and repay from convenience store ATMs using only your smartphone, even if you don’t have your AC Card with you. This is a convenient feature that provides peace of mind when you need to make a transaction unexpectedly without your card.
What is Smartphone ATM? How to Transact Without an ACOM AC Card
Smartphone ATM is a service that allows you to perform cardless transactions by scanning a QR code displayed on a compatible convenience store ATM with ACOM’s official app, “myac.” As of 2025, this service is available at Seven Bank ATMs and Lawson Bank ATMs.
[For Seven-Eleven & Lawson] Smartphone ATM Borrowing & Repayment Steps
Preparation: Set up with ACOM’s Official App “myac”
To use the Smartphone ATM, you must first install the ACOM official app “myac” on your smartphone and log in. Within the app, select “Borrow with Smartphone ATM” or “Repay with Smartphone ATM” to prepare for the transaction.
ATM Operation Flow: From Scanning the QR Code to Completing the Transaction
- Start the ATM Operation: Go to a Seven Bank ATM or Lawson Bank ATM. On the top screen, select “Withdrawal, Deposit, Credit Transactions, etc.” for Seven Bank ATM, or “Smartphone Transaction” for Lawson Bank ATM.
- Scan the QR Code: Use your smartphone’s “myac” app to scan the QR code displayed on the ATM screen.
- Enter Corporate Number and PIN: Enter the “Corporate Number” displayed in the app onto the ATM screen, followed by your 4-digit ACOM PIN.
- Enter Amount and Complete Transaction: Enter the amount you wish to borrow or repay, confirm the details, and the transaction will be complete. Collect your cash and transaction receipt.
Smartphone ATM Fees and Transaction Limits
The fees for using the Smartphone ATM are the same as when using an AC Card. A fee of ¥110 is charged for transactions of ¥10,000 or less, and ¥220 for transactions over ¥10,000. The transaction limit is also the same as with an AC Card, which is within your personal credit limit.
Common Reasons and Solutions for Smartphone ATM Not Working
If you are unable to use the Smartphone ATM, the following reasons are possible:
・During ACOM’s system maintenance window (every Monday, 1:00 AM – 5:00 AM)
・ATM communication error or maintenance
・The app version is outdated
・Poor QR code reading (due to screen brightness, dirt, etc.)
・Incorrect PIN entry
First, try updating the app to the latest version and cleaning your smartphone screen. If the problem persists, contact ACOM’s toll-free number or try the operation again later.
Source: ACOM Official Smartphone App “myac” | ACOM
General Points of Caution When Using ACOM at Convenience Store ATMs
Transaction Limits: Per-Transaction and Daily Borrowing/Repayment Caps
In addition to your ACOM credit limit, convenience store ATMs have their own transaction limits. For example, Seven Bank ATMs have a withdrawal/deposit limit of up to ¥500,000 per transaction, while Lawson Bank ATMs have a withdrawal limit of up to ¥200,000. These limits vary by ATM. If you wish to make a larger transaction, you will need to split it into multiple transactions or consider other repayment methods.
Fee Timing and How to Check on Your Statement
The usage fee for affiliated convenience store ATMs is not paid in cash at the time of the transaction. Instead, it is added to your loan balance and settled with your next repayment. The fee amount is listed on the transaction receipt issued by the ATM, so it is highly recommended to check it and keep it for your records.
Handling of Coins: Repayment Deposits Not Supported at Convenience Store ATMs
All affiliated convenience store ATMs do not accept coin deposits. Repayments must be made in ¥1,000 banknote increments. If you wish to pay off a remaining balance that includes an amount less than ¥1,000, you cannot do so at a convenience store ATM.
Handling of Change: Repayments in ¥1,000 Increments and Balance Processing
When making a repayment at a convenience store ATM, if you deposit an amount greater than your outstanding balance, the change is not returned on the spot. The overpaid amount is treated as a “deposit balance” and will either be applied to your next repayment or you can request a refund via bank transfer from your member page. To repay the exact amount down to the last yen, you must use methods such as internet repayment, bank transfer, or an ACOM branch counter.
PIN Management and Security: For Safe ATM Use
When using an ATM, always practice basic security measures, such as covering the keypad with your hand when entering your PIN to prevent others from seeing it. Be careful, as entering the wrong PIN multiple times in a row will result in your card being locked. If your card gets locked, please contact ACOM’s toll-free number.
Q&A on Using ACOM at Convenience Store ATMs
Q1. If I make a repayment at a convenience store ATM, will my available credit be restored immediately?
A1. Yes, in principle, it will be reflected in your available credit immediately. You can check your restored available credit on your member page or through an ATM balance inquiry right after completing the repayment.
Q2. Can I use the Smartphone ATM at Lawson or FamilyMart?
A2. Yes, the Smartphone ATM can be used at “Seven Bank ATMs” in Seven-Eleven and “Lawson Bank ATMs” in Lawson. It cannot be used at E-net ATMs (in FamilyMart, etc.) or AEON Bank ATMs (in Ministop).
Q3. What is the maximum amount I can borrow or repay at a convenience store ATM?
A3. It is within the range of your personal credit limit, but each ATM has a per-transaction limit (e.g., ¥500,000 for Seven Bank ATMs, ¥200,000 for Lawson Bank ATMs). If you want to transact an amount exceeding this limit, you must do so in multiple separate transactions.
Q4. Can I use convenience store ATMs during the New Year holidays or on public holidays? Do the fees change?
A4. Yes, except during ACOM’s regular maintenance window (every Monday, 1:00 AM – 5:00 AM), you can use them 24 hours a day, including during New Year’s holidays and public holidays. The fees are the same as on weekdays, either ¥110 or ¥220 depending on the transaction amount.
Q5. Is it possible to repay an amount less than ¥1,000 at a convenience store ATM?
A5. No, it is not possible. Convenience store ATMs only handle banknotes, so repayments must be in ¥1,000 increments. To repay the full amount (pay off the loan) including a balance of less than ¥1,000, you need to use methods like internet repayment, bank transfer, or an ACOM branch/ATM.
Q6. Is there a difference in fees between ACOM’s own ATMs and convenience store ATMs?
A6. Yes, there is a significant difference. When you use one of ACOM’s dedicated ATMs located nationwide, there are no fees for either borrowing or repayment. If you want to save on fees, using an ACOM ATM is the most reliable method.
Q7. What should I do if the convenience store ATM doesn’t recognize my ACOM card?
A7. The most likely causes are a defective magnetic stripe or a damaged IC chip on the card. If it still doesn’t work after trying a different affiliated ATM, the card needs to be reissued. Please complete the procedure at an ACOM branch or an automated contract machine (mujin-kun).
Q8. Do I have to take the ATM transaction receipt every time?
A8. It is strongly recommended that you do. The transaction receipt is an important document that proves the date, time, amount, and fees of your transaction. It will be necessary for verification if there are any discrepancies with your transaction, so be sure to take it and keep it for a certain period.