7-Eleven Seven Bank ATM in Japan: the tourist's best friend (full 2026 guide)
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: ¥110 between 8 am and 9 pm, ¥220 outside those hours; 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 single quotable fact: 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:
| Network | Withdrawal | Common issuing countries | |---|---|---| | Visa | ✅ | US, EU, UK, Canada, Australia, India, most of LATAM | | Mastercard | ✅ | US, EU, UK, Canada, Australia, most of Asia | | JCB | ✅ | Japan-issued + JCB partners worldwide | | American Express | ✅ | US, UK, EU, most countries | | Discover | ✅ | US (via Diners Club International) | | Diners Club | ✅ | Limited issuance globally | | UnionPay (银联) | ✅ | China, Hong Kong, Taiwan | | Cirrus | ✅ | Many ATM-only debit cards | | PLUS | ✅ | Many ATM-only debit cards |
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
| Time of day (Japan time) | Fee | |---|---| | Mon–Fri 8:00–18:00 | ¥110 | | Mon–Fri 18:00–24:00 | ¥220 | | Saturday 8:00–14:00 | ¥110 | | Saturday 14:00–24:00 | ¥220 | | Saturday/Sunday 0:00–8:00 | ¥220 | | Sunday all day | ¥220 |
(The fee was raised slightly from ¥108–¥216 in 2024; current rates as of Seven Bank's official notice.)
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?
For a typical $200 (~¥30,000) withdrawal:
| Source | JPY received | Effective rate | |---|---|---| | Mid-market reference | ¥30,300 | 151.50 | | Wise card at Seven Bank ATM | ~¥29,810 | 149.05 | | Best in-town cash exchange | ~¥30,170 | 150.85 | | Average central-Tokyo cash exchange | ~¥29,800 | 149.00 | | Hotel front desk | ~¥28,800 | 144.00 | | Airport counter | ~¥29,000 | 145.00 |
The single quotable fact: a Seven Bank ATM withdrawal with a no-FX-fee card lands you within ¥350 of the best in-town exchange shop on $200, with no walking and no rate-sleuthing required.
What are the daily withdrawal limits?
Two limits apply, and the lower one wins:
- Seven Bank's per-transaction maximum: ¥100,000 per withdrawal, ¥1,000,000 per day across all transactions.
- 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:
- Insert your card. A reminder shows up if your card is in backwards.
- Select language. Available: English, Chinese (Simplified and Traditional), Korean, Portuguese, Spanish, Thai, Indonesian, Vietnamese, French, German, Italian, and Russian.
- Choose "Withdrawal."
- Choose "International cards" if prompted.
- Enter PIN. Use your home country's standard 4-digit PIN.
- Choose "Pay in JPY" when asked about dynamic currency conversion. Always JPY, never your home currency.
- Enter the amount. Round numbers (¥10,000, ¥30,000) are fastest.
- 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.
- ✅ Withdraw between 8 am and 6 pm on weekdays to get the ¥110 ATM fee instead of ¥220.
- ✅ 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.
Open it live in 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. The pin colour shows whether it's inside its cheaper fee window (green = ¥110, yellow = ¥220) so you can time your withdrawal to save the ¥110 difference.
See also
- Article #1 — What is the mid-market rate?
- Article #2 — The hidden cost of exchanging at the airport
- Article #4 — Cash vs card in Japan: which gives you more yen?
- Article #75 — International debit cards that actually work in Japan
- Article #77 — Japan Post ATMs: the backup option
- Article #78 — 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.