The embodiment of the invention discloses a data transfer method and a data transfer device. The data transfer method comprises the following steps of receiving business data of data transfer business, wherein the business data comprises account information of a transferring party, account information of a receiving party, and business attribute information; determining at least one alternative data transfer mode suitable for the data transfer business according to the business data; determining a target transfer mode in the at least one alternative data transfer mode according to an efficiency value of the data transfer business under the at least one alternative data transfer mode and/or preset transferring party preference reference information; performing data transfer treatment on the data transfer business by using the target transfer mode. According to the method and the device, the data transfer efficiency can be improved.