7-Eleven Seven Bank ATM in Japan: the tourist's best friend (full 2026 guide)

⚡ 30-Second Answer: 7-Eleven Seven Bank ATM = the best ATM for foreign tourists. 28,000+ machines nationwide, 24h, 12 languages, foreign card support. Accepts Visa / Mastercard / JCB / UnionPay / Amex / Discover. Fees depend on amount, not time: ¥110 (≤¥10,000) / ¥220 (>¥10,000), regardless of time. Rate: about mid -0.5%.

Quick Reference	Value
Machine count	28,000+ nationwide
Languages	12 (JP/EN/CN/KR/Thai/Viet, etc.)
Accepted cards	Visa/Mastercard/JCB/UnionPay/Amex/Discover
Fee (foreign card)	¥110 (≤¥10,000) / ¥220 (>¥10,000), regardless of time
Rate	about mid -0.5%
Last verified	June 2026

💸 TL;DR: 7-Eleven's Seven Bank ATMs in Japan are the foreign tourist's best friend: 24/7 available, accept Visa/Mastercard/JCB/UnionPay/Amex/Discover, English UI (and 11 other languages), fees of just ¥110 (≤¥10,000) / ¥220 (>¥10,000) regardless of time, and exchange rates within 0.3-0.7% of mid-market. There are 28,000+ machines across Japan, including airports and stations. This guide walks through the exact 7-step withdrawal flow.

Seven Bank ATMs inside 7-Eleven convenience stores accept most foreign Visa, Mastercard, JCB, UnionPay, American Express and Discover cards 24/7, with menus in 12 languages and rates that run roughly 0.5% below the live mid-market plus an ATM fee of ¥110–¥220 per withdrawal. With over 27,000 machines across Japan — including inside every airport terminal, every major train station, and almost every neighborhood — they are the single most reliable cash source for foreign visitors. This guide covers exactly which cards work, what the fees actually are, daily limits, the step-by-step usage flow, and when not to use them.

TL;DR

• Seven Bank ATMs work with most foreign cards on the major networks: Visa, Mastercard, JCB, UnionPay, Amex, Discover, Diners Club, and several regional networks.
• Fee structure (foreign cards): depends on the withdrawal amount, not the time — ¥110 for ¥10,000 or less, ¥220 for more than ¥10,000; your card-issuing bank may add its own fee on top.
• Available 24/7 at airports and most major-city locations.
• The exchange rate is set by your card network (Visa, Mastercard, etc.), typically 0.3–0.7% below mid-market.

What is Seven Bank, and why is it different from a regular Japanese bank ATM?

Seven Bank is a banking subsidiary of the Seven & i Holdings group (the Japanese owner of 7-Eleven, Ito Yokado, and Sogo & Seibu). Unlike traditional Japanese banks that restrict ATM access to their own customers, Seven Bank's strategy since 2001 has been maximum compatibility: every machine is designed to accept the widest possible range of foreign and domestic cards, with multilingual interfaces and 24/7 operation.

That deliberate openness is the reason every English-language Japan travel guide for the past decade recommends 7-Eleven ATMs first. Your home-country card almost certainly works, the menu almost certainly speaks your language, and the machine is almost certainly within walking distance.

Where you'll find them:

• All 7-Eleven convenience stores (~21,000 locations nationwide)
• Inside every Haneda and Narita airport terminal
• Inside every major JR station (Shinjuku, Shibuya, Tokyo, Shinagawa, Ueno, Ikebukuro, etc.)
• Major shopping centers and Sogo & Seibu department stores
• Selected hotels and tourist attractions

The bottom line: Seven Bank's English-speaking ATM network is roughly 30 times larger than the largest Japanese bank's foreign-card-accepting ATM network — a structural advantage that's unlikely to change.

Which foreign cards actually work at Seven Bank ATMs?

The official Seven Bank international card list covers:

What's NOT supported: Maestro (a Mastercard sub-brand) used to be unsupported but now mostly works; some regional Asian networks (Korea's BC Card, Indonesia's Debit BCA without an international co-brand) don't work. Always test with a small ¥1,000 withdrawal first to confirm.

Fintech card compatibility (verified 2026-05-07):

• Wise debit card — ✅ works (Visa or Mastercard brand depending on your country)
• Revolut — ✅ works (Visa or Mastercard)
• Charles Schwab debit — ✅ works, and Schwab refunds the ¥110–¥220 fee
• PayPal debit (US) — ✅ works as a Mastercard

How much does a Seven Bank ATM withdrawal actually cost?

Three layers of cost:

1. The Seven Bank ATM fee

For foreign-issued cards the Seven Bank ATM fee depends on the withdrawal amount, not the time or day. The "cheaper on weekday daytime" schedule is the domestic Japanese-card rule and does not apply to foreign cards.

(Cash is dispensed in ¥10,000 units. Official: Seven Bank international card fees. Your card issuer may add its own fee on top.)

2. Your card network's exchange rate

Your card-issuing bank or network (Visa, Mastercard, etc.) handles the JPY-to-home-currency conversion. In 2026, network rates run:

• Visa: typically 0.3–0.7% below mid-market
• Mastercard: typically 0.4–0.8% below mid-market
• UnionPay: typically 0.8–1.2% below mid-market

3. Your issuing bank's foreign-transaction fee

This is the biggest variable. A no-FX-fee card (Wise, Revolut, Capital One, Schwab, Chase Sapphire) charges 0%. A typical US bank charges 2.5–3%.

Total cost for a ¥30,000 withdrawal with a Wise card:

• Seven Bank ATM fee: ¥220
• Network conversion: ~¥150 below mid-market
• Wise FX fee: ¥120 (over the $100/mo free tier)
• Total: ~¥490 (about $3.25 on $200 withdrawn)

Total cost for a ¥30,000 withdrawal with a typical 3%-FX bank card:

• Seven Bank ATM fee: ¥220
• Network conversion: ~¥150 below mid-market
• Bank's 3% fee: ¥900
• Total: ~¥1,270 (about $8.50 on $200 withdrawn)

How does the rate compare to cash exchange shops?

Compared against the live mid-market rate on the same day, the effective rate (spread vs mid, before card-issuer FX fees) lands roughly like this:

These are indicative ranges — exchange rates move daily and vary by shop, so always check the live rate before you commit. Only World Currency Shop is live-tracked on Yen Finder; other counters are ballpark.

Why this matters: a Seven Bank ATM withdrawal with a no-FX-fee card gets you closer to the mid-market rate than almost any in-town cash counter — and beats airport and hotel exchange by a wide margin — with no walking and no rate-sleuthing required.

What are the daily withdrawal limits?

Two limits apply, and the lower one wins:

1. Seven Bank's per-transaction maximum: ¥100,000 per withdrawal, ¥1,000,000 per day across all transactions.
2. Your card's daily limit: typically ¥30,000–¥100,000 set by your issuing bank.

For most travelers, the issuing bank's limit is the binding one. Wise's standard limit is ¥30,000/day; Revolut's is set in your account preferences (typical default ¥50,000/day); a Schwab debit card defaults to $1,000/day (~¥150,000).

If you need more cash than your daily limit allows, you can either:

• Withdraw on consecutive days, or
• Raise your card's daily limit temporarily in the issuing app (Wise and Revolut both allow this), or
• Combine ATM withdrawals with one cash-exchange transaction.

How do you actually use a Seven Bank ATM?

The flow is short and the screen prompts in your language:

💡 Don't worry if you can't read kanji — the moment you insert your foreign card, the ATM auto-detects it and switches to an English/multilingual screen.

1. Insert your card. A reminder shows up if your card is in backwards.
2. Select language. Available: English, Chinese (Simplified and Traditional), Korean, Portuguese, Spanish, Thai, Indonesian, Vietnamese, French, German, Italian, and Russian.
3. Choose "Withdrawal."
4. Choose "International cards" if prompted.
5. Enter PIN. Use your home country's standard 4-digit PIN.
6. Choose "Pay in JPY" when asked about dynamic currency conversion. Always JPY, never your home currency.
7. Enter the amount. Round numbers (¥10,000, ¥30,000) are fastest.
8. Confirm. The cash dispenses and a receipt is offered.

The whole process takes 60–90 seconds. The machine is monitored 24/7; if anything goes wrong, the on-screen help button connects you to live English-speaking support.

What this means for your trip

• ✅ Plan to use 7-Eleven ATMs as your primary cash source. They are reliable, available 24/7, and competitive on rate.
• ✅ Pair with a no-FX-fee card (Wise, Revolut, etc.) — using a 3% bank card here is the single biggest avoidable fee.
• ✅ The fee doesn't change by time — foreign cards pay ¥110 (≤¥10,000) / ¥220 (>¥10,000) any time, no night/weekend surcharge.
• ✅ Always decline dynamic currency conversion when the screen asks; choose to be charged in JPY.
• ⚠️ Don't withdraw at the airport counter if there's a 7-Eleven ATM within 5 minutes' walk (and there is, in every terminal).
• ⚠️ Confirm your card's daily limit before you fly; raising it takes 1 minute in the issuer's app but is impossible without phone signal.

Frequently asked questions

Are Seven Bank ATMs the same as Japan Post ATMs?

No — they're different networks but both accept foreign cards. Japan Post ATMs have similar foreign-card support and a slightly different fee structure. Seven Bank is more numerous (27,000 vs 30,000 Japan Post ATMs but more 24/7 coverage in cities); Japan Post is more numerous in rural areas. Both are excellent options.

What if my card is rejected?

Three common reasons: your bank's fraud detection blocked the transaction (text your bank's international support number), your card's daily limit is exhausted, or your card type isn't on the supported list. Try a different card or come back the next day.

Are Seven Bank ATM rates the same in every city?

Yes — Seven Bank uses a single national rate per card network. The rate at a Sapporo Seven Bank ATM is identical to a Naha Seven Bank ATM at the same time on the same day.

Can I deposit cash into a Seven Bank ATM?

Yes, but only with a Japanese-issued card. Foreign cards can withdraw but not deposit. Deposit is also unidirectional — you can put yen in, but you can't get foreign currency out.

What's the highest single withdrawal I can do?

¥100,000 per transaction. To get more, do consecutive ¥100,000 withdrawals (the daily total is ¥1,000,000), or raise your card's limit if it's lower.

Are there fee-free ATMs as an alternative?

Some travel-focused cards refund ATM fees: Charles Schwab debit refunds globally; a few EU cards also offer this. With those cards, the fee math goes from "¥110–¥220 per withdrawal" to effectively "¥0 per withdrawal."

Do Seven Bank ATMs accept torn or marked banknotes?

Withdrawal-only — they only dispense crisp Bank of Japan notes from the bank's vault. The torn-bills question only matters if you're trying to deposit, which foreign cards can't do anyway.

Put this to work — live rates on Yen Finder

Open Yen Finder → tap Map → toggle the "ATM" filter. Every Seven Bank ATM within 1 km of your location appears with current operating status and walking time. Foreign-card fees don't vary by time of day, so there's nothing to time — just pick the nearest, easiest ATM.

See also

• What is the mid-market rate?
• The hidden cost of exchanging at the airport
• Cash vs card in Japan: which gives you more yen?
• International debit cards that actually work in Japan
• Japan Post ATMs: the backup option
• Every ATM in Japan that accepts foreign cards (city-by-city)

Last verified 2026-05-07. Seven Bank's fee schedule and supported-card list are updated periodically; always check the official intl card page for the current state if it's been more than 6 months since publication.