The invention provides an ATM intelligent alarm system ensuring urban public safety. The ATM intelligent alarm system comprises a microphone, a camera, a loudspeaker, a terahertz generator, a terahertz receiver, an MCU, an A/D conversion module, and a relay switch; the microphone, the camera and the loudspeaker are installed at an upper side of an ATM display screen; the terahertz generator and the terahertz receiver are positioned at a lower side cabinet at the front of the ATM; and the MCU, the A/D conversion module and the relay switch are installed inside the ATM. The system is established with an audio database, an expression database and a hazardous article database. Audios acquired by the microphone, expression information acquired by the camera, and belongings images acquired by the terahertz generator and the terahertz receiver are respectively compared with the three databases, when coincidence degrees reach certain threshold values, the MCU enables the loudspeaker through the relay switch to play robbery relevant law punishment warning audios, simultaneously police signals are transmitted to police departments, and staffs immediately carry out the arrests. The ATM intelligent alarm system is of great significance to urban safety maintenance and public safety ensuring.