A bank transaction system including approval of certification and its method is arranged to prevent a bank transaction accident only when approval of certification is received from a ratifier in the final stage of bank transaction by handling bank transaction. One server (200) transmits the bank transaction content of financial business, for instructing the message approval financial business for being input to ratifier's terminal (300) and finally manufacturing ratifier of approval of certification information. If equivalent from the approval of certification information of ratifier's terminal and registered approval of certification information, the certification of server transport message guide is accomplished to a transaction terminal (100) with bank transaction. Transaction terminal is expressed by using the ratifier of notice transaction content and message, a screen, vibration, transmits approval of certification information to server, if approval of certification information is contained in the reaction to message.
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