The present invention provides a data downloading method and a terminal, wherein the data downloading method includes: a communication processor receiving an open channel request from a universal integrated circuit card, and sending a connection request message to an application processor according to the open channel request; the communication processor sending a connection success message to the universal integrated circuit card, so as to instruct the universal integrated circuit card to download data The present invention not only enables a process of downloading an application over the air to the UICC by using the BIP (bearer independent protocol) protocol to be completed in a single processor, but also supports the process to be completed in multiple processors.