A fluid heat exchanger with pump, adapted to drive a fluid for heat transfer, comprises a heat conduction unit, a diversion unit, and a housing unit. The heat conduction unit includes a heat conductor. The diversion unit includes a cover and a diversion plate. A cooling chamber is defined by the cover and the heat conductor. The cover is provided with a fluid stopper. The diversion plate is disposed in the cooling chamber, and one end of the diversion plate abuts against the fluid stopper, so that the cooling chamber is divided into an upper passage and a lower passage. The housing unit includes a housing and a pump module. The fluid in the housing is driven by the pump module to flow through the upper passage to the lower passage, and then the fluid returns to the housing to carry the heat from the heat conductor.