The invention provides a plug-in card type microelectrode integrated sensing chip and application thereof in rapid detection of metal ions. The sensing chip comprises a chip substrate, a plurality of microelectrodes and a plurality of electrode pins, wherein a detection area is arranged on one side of a front surface of the sensing chip, and a pin area is arranged on the other side of the back surface of the sensing chip; a plurality of microelectrode modules are integrated in the detection area, each microelectrode module comprises working electrodes, reference electrodes and a counter electrode, specifically, with the counter electrode as the center, the working electrodes are symmetrically distributed at the four corners, and the reference electrodes are symmetrically distributed at the two ends; the pin area is provided with a plurality of electrode pins, and the electrode pins are metal strips which are parallel, equidistant and consistent in size; four working electrodes of the same microelectrode module share the same pair of electrodes, the two working electrodes located on the same side with the reference electrode share the same reference electrode, and different working electrodes can detect different substances. The sensing chip can be used for detecting metal ions including lead, cadmium, zinc, copper, cobalt, chromium, nickel and molybdenum.