The invention discloses a money depositing and withdrawing trading terminal system, which comprises a POS (point of sale), a money detecting module, a local database and a background management center, wherein the money detecting module is used for identifying the money truth and extracting trading money information, the local database is used for storing trading money information, the background management center is used for money depositing and withdrawing trading, the POS is in communication connection with the background management center, the money detecting module is in communication connection with the POS, and the local database is in communication connection with the money detecting module. The invention also discloses a money depositing and withdrawing trading method. The money depositing and withdrawing trading terminal system has the advantages that the manufacturing cost is low, the size is small, the structure is exquisite, the operation is simple, the maintenance is convenient, the money depositing and withdrawing trading terminal system is applicable to regions in which the coverage rate of banking outlets and self-service money depositing and withdrawing equipment is insufficient, the monetary transaction requirements of people in remote areas are met, in addition, safety and reliability are realized, and the popularization is convenient.