The invention relates to a water, electricity, gas and network real-time fee deduction method and device. The water, electricity, gas and network real-time fee deduction method includes the steps that house users swipe radio frequency bank cards in sensors in houses; the sensors receive radio frequency signals of the bank cards and then send signals to sensing devices of buildings; the sensing devices of the buildings send water, electricity, gas and network starting request signals of the house users to bank systems of the radio frequency bank cards; the bank systems of the radio frequency bank cards receive the water, electricity, gas and network starting request signals, sent by the sensing devices of the buildings, of the house users, then, start real-time fee deduction systems, send control signals to the sensing devices of the buildings, and deduct fees on bank accounts of the radio frequency bank cards in real time according to the water, electricity, gas and network use amount billing. By the adoption of the water, electricity, gas and network real-time fee deduction method and device, charging flow paths of various fees are intelligently controlled, manual operation is reduced, manual cost is eliminated, manual errors are avoided, management strength of the various fees is enhanced, financial management risks of corresponding departments are reduced, life digitization is achieved, and unprecedented convenient services are provided for the users of all ages.