The invention discloses a method of binding an IC card and a bank card together. The method is used for an automatic transfer recharging platform system. The method comprises the steps that an IC card number is acquired, and a recharging account and an initialized password, which are corresponding to an IC card number, are created, and a user is bound with the IC card according to current user information, the IC card number, and bank card information; and at the same time, a bank, to which the bank card belongs, and the system are provided with corresponding bank interfaces, and the corresponding user account and a corresponding user bank account are acquired according to the current user information and the bank card information; and then a subscription relation between the user account, the user bank account, and the recharging account is added to a subscription relation table, and then different binding operations of the bank card and the IC card are executed according to different subscription types.