A wireless charging method and terminal are disclosed. A voltage threshold supported by power management chip and output voltages supported by a charger and corresponding output current upper limit values are acquired. A voltage conversion coefficient is determined with the voltages and the threshold. A charging request to the charger is sent, which includes requested voltage which is maximum output voltage among the output voltages not higher than a product of the voltage threshold and reciprocal of the voltage conversion coefficient and a requested current being not higher than the output current upper limit value corresponding to the requested voltage. A charging signal is generated under excitation of a signal from the charger. With the voltage conversion coefficient and a current conversion coefficient being the reciprocal of the voltage conversion coefficient, voltage and current conversion is performed on the charging signal to obtain an input signal of the chip.