The invention relates to the technical field of financial guarantee service and specifically discloses a bank self-service safety-deposit box application control and management charging system and method. The system comprises a bank system database, a transmission network, a communication network, a system server, a safety-deposit box self-service depositing and withdrawing terminal, and a communication terminal. Through user application, bank acceptance, and self-service safety-deposit box depositing and withdrawing service of users, services, such as model selection, lease selection, payment selection, self-service depositing and withdrawing, free leasing cancellation and the like can be performed on a safety-deposit box by directly inserting a bank card into the safety-deposit box self-service depositing and withdrawing terminal and inputting a password. The system offers customers 24-hour self-service, avoids manual management operation procedures, treated by bank tellers, such as tenancy registration, management charging, tenancy cancellation, and accompanied depositing and withdrawing, greatly reduces the manpower management cost of the operation units, offers convenient, quick, safe and secure manpower management depositing and withdrawing conditions to users so as to further improve the application functions of the self-service safety-deposit box.