ATM (automatic teller machine) with encryption function and money depositing and withdrawing method of ATM

The invention provides an ATM (automatic teller machine) with an encryption function and a money depositing and withdrawing method of the ATM, relates to the ATMs and solves the problem of high probability of identity theft of a bank card in a conventional ATM use process. According to the ATM and the method, the identity information of a cardholder contained in a two-dimensional code and the identity information of a holder of a bank card inserted into the ATM are matched, image codes are selected, matching is performed again, identity authentication is performed, a money depositing and withdrawing operation process of the ATM can be started only when the identity and acquired images of a withdrawer are matched, and multiple encryption for automatic money depositing and withdrawing is realized. The invention is applicable to the ATMs.