7-Eleven Japan does not publish its ATM fee

How much does a 7-Eleven ATM charge in Japan?

Seven Bank does not say. The ATMs inside 7-Eleven stores belong to Seven Bank, and its English page for cards issued overseas, Overseas Cards Usable at ATMs, carries one sentence on the subject, fees for cards issued overseas vary by the card brand. No yen amount follows it. The Japanese version of the same page, read the same day, says the same thing in Japanese and gives no amount either.

That is the gap between the search results and the source. The roundups that rank for this query print a two-tier fee, one figure for small withdrawals and a higher one above a threshold, as if it were a published tariff. One adds that a particular brand pays nothing. None of those figures appears on any Seven Bank page we could read on 17 September 2026. They may match what a given card sees on the screen, but they are not a tariff the bank has committed to in writing.

What Seven Bank does publish, on the same page, is more useful than the roundups suggest. There is a per-transaction ceiling, a lower ceiling for cards that fall back to the magnetic stripe, and a service window for each card brand. Those are the numbers you can plan around.

What is the 7-Eleven Japan ATM withdrawal limit?

The limit is 100,000 yen per withdrawal for cards issued overseas. If the ATM reads the magnetic stripe instead of the chip, the limit drops to 30,000 yen for that transaction. Both figures are on the overseas-card page as read on 17 September 2026. There is no published daily cap on the Seven Bank side, so the daily ceiling is whatever your own issuer sets, which is usually the tighter one.

The same page lists the brand marks the ATM accepts and the hours each brand's network is available. The ATMs run 365 days a year, but not every brand gets the full 24 hours, and the page warns that some cards carrying these marks may still be refused.

Where does the fee on the screen come from?

Because the fee is set per brand rather than per bank, the amount that applies to you is decided by the arrangement between Seven Bank and the network your card runs on, Visa, Mastercard, UnionPay and so on. That is why the bank's page can only say it varies. Seven Bank's usage-notes page adds that for transactions which incur a service charge, the fee is charged per transaction, so two withdrawals cost two fees regardless of the amounts.

The second number that can appear is not Seven Bank's at all. The same usage-notes page describes a Dynamic Currency Conversion option, which lets you settle in your home currency at the ATM instead of in yen. Take the yen option. With yen, the amount in your home currency is fixed when your issuer bills it, at the network rate. With home currency, the rate is fixed at the machine and is the operator's rate, which is the part of the transaction most likely to cost more than any flat fee.

The third number is your own issuer's. Seven Bank's fee, if any, sits on top of whatever your bank charges for a foreign cash withdrawal, and that side of the cost is the one you can actually check before you fly, in your card's fee schedule. UK readers can compare the cash allowances on Monzo and Starling, and Wise users should know that the allowance follows the card's country.

• Insert the card and pick your language. Seven Bank says the screen and receipt follow the language you choose.
• Choose withdrawal, then the amount, up to 100,000 yen if the chip is read.
• If a currency choice appears, pick Japanese yen, not your home currency.
• Read the confirmation screen before the final press. Anything the operator charges has to be accepted there, and the receipt is your record.
• Match the receipt against your card statement once it posts. The statement is the only place the full cost, operator fee plus issuer fee plus rate, appears in one line.

Is Japan Post Bank cheaper than 7-Eleven for foreign cards?

Japan Post Bank is the one large operator that does publish a number. Its International ATM Service page, read on 17 September 2026, says that when using certain cards issued abroad an ATM usage fee of 220 yen, tax included, per use may apply, and that the card issuer's own fee comes on top. Its single-transaction limit is 50,000 yen, half of Seven Bank's chip-card ceiling. Japan Post's ATMs at post offices run 7.00 to 23.00 Monday to Saturday and 7.00 to 21.00 on Sundays and holidays, against Seven Bank's round-the-clock window for Visa and Mastercard.

So the honest comparison is not cheaper or dearer. It is a published fee with a low ceiling and short hours, against an unpublished fee with a high ceiling and 24-hour access. Only your own confirmation screen, with the same card on the same day, can put a yen figure on the Seven Bank side.

What should I do before withdrawing yen at 7-Eleven?

Treat the operator fee as unknown until the screen shows it, and control the two parts you can. First, take fewer and larger withdrawals, since any per-transaction charge is flat and the chip limit of 100,000 yen is generous. Second, refuse home-currency conversion every time. Third, know your issuer's foreign-cash fee and daily cap before you land, because that is usually the binding limit, not Seven Bank's.

Cash still matters in Japan for small restaurants, temples and rural transport, but you will also want data from the moment you land, if only for the ATM locator and maps. Our Japan eSIM guide covers what a week of data costs and which plans include a phone number. Anyone arriving with a large amount of cash should read the one million yen declaration rule first.

We will re-read the Seven Bank pages and update this post if a fee amount ever appears. How we read and date every figure is set out in our methodology.