A multi-purpose female metal terminal has a substrate. A front end of the substrate is formed with an elastic sheet. The elastic sheet is bent to form a curved segment for a male terminal to be selectively horizontally overlapped with the multi-purpose female metal terminal. A middle of the elastic sheet is formed with a gap for the male terminal to be selectively vertically interconnected with the multi-purpose female metal terminal. A female terminal connector is provided. The multi-purpose female metal terminal has a simple structure, and can be transversely or vertically connected with the male terminal, and has strong adaptability.