The invention provides a two-way vehicle-mounted charger and an electric vehicle. The two-way vehicle-mounted charger comprises a connecting end and a connecting circuit, a leakage current sensor, a sampling unit and a first control unit, wherein the connecting end and the connecting circuit are used for accessing loads; the leakage current sensor is connected on the connecting circuit; the sampling unit is electrically connected with the output end of the leakage current sensor and is used for collecting the output voltage of the output end of the leakage current sensor; and the first control unit is electrically connected with the sampling unit and is used for performing shutdown control on the complete machine when the leakage current sensor is in a electric leakage detection mode and the output voltage of the output end of the leakage current sensor, collected by the sampling unit, is greater than a set threshold, thereby realizing electric leakage protection and preventing the occurrence of electric shock.