This invention discloses a method and a terminal for implementing a special service. The method comprises the following steps. A request terminal sends a special service request to an exchanger, and the exchanger forwards the request to an object terminal. The object terminal implements the special service according to the request. The embodiment of the invention overcomes the deficiency of the prior art, implements special services such as compulsive insert, interception, and monitoring or the like through terminal cooperation so that the terminal manufacturers can develop some special communication services. Meanwhile the implementation of special services does not need the exchanger for special support, which can maintain the stability of the core of a communication system, namely the exchanger, thereby improving the stability of the communication system.