An RFID-based smart terminal, bank card and financial management system are disclosed. The smart terminal comprises a first RFID antenna, a sensor switch and a processor. The first RFID antenna is configured to receive RFID signals. The sensor switch is configured to, when sensing the approach of an RFID signal source, activate the first RFID antenna directly or through the processor so as to enable RFID function. The smart terminal according to the present disclosure can, when sensing the approach of the RFID signal source, trigger the first RFID antenna a to be activated, and can effectively reduce the power consumption and save energy.