The invention provides a load method of electronic currency for off-line consumption. The method comprises the steps as follows: an encryption machine is adopted to perform secret key distribution and data encryption work, secret key generation and distribution are performed during a load initialization process, so that sensitive data cannot be presented outside encryption equipment in a plain text manner, and data safety is guaranteed; an NFC (near field communication) mobile terminal reads and writes a CPU (central processing unit) card used for off-line consumption by means of an NFC function, and establishes data connection with a load server through the mobile Internet or the Internet; user load request data is submitted to the load server; and the load server is used for converting the data into a related transaction cipher text meeting load gateway format requirements, the cipher text is sent to a corresponding bank server, a service script generated by the bank server returns to the NFC mobile terminal along the original way and is sent to the CPU card by the NFC mobile terminal for execution, thus, the user can safely and rapidly obtain the load service of the CPU card through the NFC mobile terminal, and the troubles of seeking a special load POS (point of sale) machine and ATM (automatic teller machine) or other special load equipment are avoided.