The solution relates to the field of financial equipment technology and provides a method and device for processing financial terminal transactions, and a financial terminal. The method comprises: accessing, on the basis of an available banks list provided by the financial terminal, a bank to which a user account conducting the financial terminal transaction belongs, the available banks list being a list of banks that are capable of providing banking services via the financial terminal; sending a command to an encrypted keyboard to acquire password information entered by a user; and processing, on the basis of a transaction category selected by the user and the password information entered by the user, a financial terminal transaction corresponding to the transaction category. The solution provides a technical solution that has broad applicability, allowing users to conveniently conduct financial terminal transactions. In addition, if a bank card of a user is issued by a bank listed as an available bank, the user can access financial services provided by the financial terminal, so that convenient access to banking services can be equally provided to customers of various banks.