The invention provides a water dispenser with bagged water. The water dispenser with bagged water comprises a water dispenser body, an external water tank and a smart block are arranged at the top of the water dispenser body and connected into a whole, a jacking rod is arranged in the center of the bottom inside the smart block, a water bag is put inside the external water tank, the lower portion of the water bag is connected with a puncturing device which is arranged inside the smart block, and the puncturing device punctures the water bag to take water. The water bag of the water dispenser is put into the external water tank, the external water tank is used for supporting the water bag, external air directly acts on the outer surface of the water bag, and therefore the water inside the water bag can flow into the water dispenser depending on self weight. By the utilization of a jacking core and self weight of the water bag, the water bag is automatically punctured, the punctured position can automatically form stable sealing with the conical surface of a jacking needle, the water in the bag under the sealed state is guided to flow into the water dispenser, no air is allowed to enter the water dispenser, and secondary pollution is avoided.