Self-service cash top-up machine adopts the method of combining terminal and software to provide users with safe, fast, diversified and integrated self-service. On the one hand, the terminal provides the channels for cash self-service top up, self-service query and information acquisition for the card-holders; on the other hand, the self-service platform, compatible with self-service cash top-up machine and other terminals, provides unified management and service support. The self-service cash top-up machine supports 7 * 24-hour non-stop self-service cash top up, which eases the counter pressure of cash counter top up, saves manpower and material resources, effectively makes up for the deficiencies of the two top-up methods mentioned above, and better meets the multiple top-up needs of users.