The invention discloses a reimbursement method for a public service card, a system and a bank customer service system thereof, wherein, the reimbursement method of the public service card comprises that the bank customer service system interacts with a customer terminal of a budget unit by an e-bank system to generate consolidated reimbursement information of the budget unit, wherein, the consolidated reimbursement information comprises the corresponding relationship between limit information and reimbursement detail; the bank customer service system returns capital from an account with zero remaining balance of the budget unit to the public service card account according to the consolidated reimbursement information and a bank credit card system. The method can be completely based on the bank system to realize the reimbursement of the public service card, thus simplifying the reimbursement procedure.