A bank card adding method includes receiving, by a first terminal, a bank card adding request, establishing, by the first terminal, a peer-to-peer wireless communication connection to a second terminal, sending, by the first terminal, a request for obtaining bank card data to the second terminal, receiving, by the first terminal, the bank card data sent by the second terminal, obtaining, by the first terminal, bank card account information based on the bank card data, and sending, by the first terminal, a card issuing request to a first server to add a bank card to the first terminal, where the card issuing request includes the bank card account information.