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セブン銀行 (Seven Bank)

Confidence: Likely Updated 2026-05-26 Review by 2026-11-15 Sources 6 Machine-translated Original (JA)
#JapanFG#retail-bank#atm-bank
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This entry sits under regional-banks INDEX. Read it against Lawson Bank for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

An ATM-specialized bank. Built on approximately 27,990 ATMs (as of end-2025-03 ) installed across the Seven-Eleven store network, it operates a B2B2C model whose primary revenue is ATM-usage fees from partner financial institutions. Established as IY Bank in 2001-04-10, it opened in 2001-05-21 and changed its name to Seven Bank in 2005-10 . Its largest shareholder is the seven-and-i-hd group (via Seven-Eleven Japan). Through share buybacks in 2025-06 , that HD lowered its voting-rights ratio from approximately 46% (as of 2025-03 ) to 39.93%, and Seven Bank shifted from a consolidated subsidiary to an equity-method affiliate. TSE PRIME 8410. Its own lending and deposits are limited, making it an “ATM platformer” business model that differs from traditional banking. Inbound-tourism demand (support for overseas-issued cards) and ASEAN expansion (the Philippines, Indonesia) are new growth axes.

1. Company overview

Legal name: 株式会社セブン銀行 English name: Seven Bank, Ltd. Securities code: TSE PRIME 8410 (2011-04 TSE First Section listing, 2022-04 migration to the PRIME segment) Former code: JASDAQ 8410 (2008-02 listing → 2011-04 migration to the First Section) Established: 2001-04-10 (as IY Bank Co., Ltd. / 株式会社アイワイバンク銀行) Opened: 2001-05-21 Name change: 2005-10 (renamed Seven Bank) Head office: Marunouchi Center Building, 1-6-1 Marunouchi, Chiyoda-ku, Tokyo Largest shareholder: Seven-Eleven Japan Co., Ltd. (voting rights 39.93%, as of end-2025-09 ). Its parent, Seven & i Holdings Co., Ltd., holds an indirect stake. In response to the share buyback of 2025-06 (announced 2025-06-19, acquisition started 2025-06-20), Seven & i HD’s holding ratio fell from approximately 46% (as of 2025-03 ) to 39.93%, and Seven Bank shifted from a consolidated subsidiary of that HD to an equity-method affiliate

Main subsidiaries / group 

セブン銀行（上場 8410, 筆頭株主=セブン-イレブン・ジャパン 39.93%）
  ├── ATM 事業（国内）── 約 27,990 台（2025-03 末）
  ├── 海外送金事業 ── Western Union 提携
  ├── Seven Bank ATM Philippines（フィリピン）── 2018-04〜
  ├── PT. ABADI TAMBAH MULIA INTERNASIONAL（ATMi、インドネシア）── 2019-08〜
  ├── FCTI, Inc.（米国）── 米州 ATM ネットワーク
  └── Bank Business Factory（業務代行）

Shareholder structure

  • Seven-Eleven Japan (Seven & i HD group): 39.93% (voting rights, as of end-2025-09 ) — before the share buyback of 2025-06 it was approximately 46% (2025-03)
  • Institutional investors (trust / custody companies)
  • Individual shareholders

Key chronology

年月事象
2001-04-10株式会社アイワイバンク銀行 設立（イトーヨーカ堂主導の流通系銀行構想）
2001-05-21開業（コンビニ ATM 専業銀行モデル開始）
2005-10商号変更 → 株式会社セブン銀行（セブン&アイ HD 発足に合わせて）
2008-02ジャスダック上場（証券コード 8410）
2011-04東証一部上場（プライム市場予備格）
2011〜第 2 世代 ATM 機 → 第 3 世代 ATM 機 順次更新
2018-04ATM 海外展開（フィリピン）開始 ── Seven Bank ATM Philippines
2019-08ATM 海外展開（インドネシア） ── PT. ABADI TAMBAH MULIA INTERNASIONAL（ATMi）
2020〜2023コロナ禍 ── 訪日インバウンド消失で国際 ATM 収益低下、国内も来店減
2022-04東証 PRIME 区分移行（市場区分見直し）
2023〜訪日インバウンド V 字回復 → 海外発行カード ATM 利用増
2024〜第 4 世代 ATM 機 順次展開（顔認証・スマホ連携・カードレス対応）

2. Business-segment map

セグメント主要事業特徴
国内 ATM約 27,990 台（2025-03 末）、提携 約 600 行国内 ATM 設置数はゆうちょ銀行に次ぐ第 2 位規模
訪日外国人 ATM海外発行カード対応（VISA / Mastercard / UnionPay / JCB / AMEX / Discover 等）訪日需要連動
個人銀行業務自前のセブン銀行口座（ネットバンキング）限定的（収益主軸ではない）
クレカ・デビットセブン銀行デビット付きキャッシュカード等リテール導線
海外送金Western Union 提携在日外国人労働者向け
ASEAN 展開フィリピン（2018-）・インドネシア（2019-）現地 ATM ネットワーク
米州FCTI, Inc.米国 ATM ネットワーク
BaaS / 業務代行Bank Business Factory銀行業務代行サービス

Revenue model (B2B2C)

  1. A customer (a user of a partner bank) withdraws cash or checks a balance at an in-store ATM at a Seven-Eleven
  2. Seven Bank sends an “ATM usage notice” + fee billing to the partner bank
  3. The partner bank pays a certain fee (the portion borne by the customer + the portion borne by the bank itself)

Core-platform strategy

  • Retail integration of Seven-Eleven × banking: By embedding ATMs into the store network of parent Seven & i HD (approximately 21,000 店+ nationwide), it turns the very flow of store visitors into banking infrastructure
  • Approximately 600 行 partners: A partner network broadly covering domestic banks, shinkin banks, credit cooperatives, and labor banks + overseas card companies
  • 4 -generation ATMs (from 2024): Face authentication, smartphone linkage, and cardless transactions → advanced platformization of the ATM

Inbound-tourism linkage

  • Overseas-issued card support: Supports major international brands such as VISA / Mastercard / UnionPay (China UnionPay) / JCB / AMEX / Discover / Diners
  • Multilingual support: When an overseas-issued card is used, the ATM screen, statement slip, and audio support 12 languages (Japanese, English, Simplified Chinese, Traditional Chinese, Korean, Thai, Malay, Indonesian, Vietnamese, French, German, Portuguese; expanded from 5 languages in 2015-12 ). When a Seven Bank cash card is used, it supports 9 languages
  • V-shaped inbound recovery from 2023 onward: With the revival of international travel from the COVID period, the use of overseas-issued cards is re-expanding

Overseas expansion

  • The Philippines (from 2018-04): Seven Bank ATM Philippines, linked with the local Seven-Eleven network
  • Indonesia (from 2019-08): PT. ABADI TAMBAH MULIA INTERNASIONAL (ATMi)
  • The Americas: FCTI, Inc. ── the U.S. ATM network

Cross-border settlement

  • Western Union partnership: Absorbs the overseas-remittance demand of foreign workers in Japan via ATMs
  • International-brand support: Captures cross-border demand along both axes of inbound foreign visitors + foreign residents in Japan

Competitive relationships

  • Aeon Bank: Another representative of distribution-affiliated banks (Aeon group’s store network + ATM strategy)
  • Convenience-store ATMs: Lawson Bank (lawson-bank), E-net (FamilyMart-affiliated; parent = smfg group)

4. Regulation / policy

  • Supervisor: Financial Services Agency (FSA)
  • Business model: An ordinary bank under the Banking Act (distribution-affiliated net-bank category)
  • Recent policy issues:
    • From 2024 onward, promotion of cashless payments vs maintaining ATM use → risk of a long-term decline in cash demand
    • From 2024 onward, recovery of international ATM demand with the inbound revival
    • From 2025 onward, rollout of 4 -generation ATMs (new functions such as face authentication → compliance / privacy-regulation response)

Sources

[!info] Verification status confidence: likely (based on Wikipedia v1.1 + official IR + public reporting; 2026-05-19 / the holding ratio is updated per the 2025-06 disclosure). The number of ATMs installed (approximately 27,990 as of end-2025-03 ) and the 12 supported languages are confirmed from official information. Seven & i HD’s holding ratio fell from approximately 46% to 39.93% due to the share buyback of 2025-06 , and Seven Bank shifted from a consolidated subsidiary to an equity-method affiliate (confirmed by Nikkei reporting 2025-06-19). The number of partner financial institutions (approximately 600 行) is an approximate figure on a public-information basis. Specific performance figures (ordinary revenue, net profit, etc.) are not taken up in this article; refer separately to official IR.