Thermal charging supercapacitors capable of heat conversion and storage have emerged as a cutting-edge technology for efficiently utilizing low-grade heat. However, the sluggish kinetics of the insertion ions have hindered their thermoelectric performance and practical applications. Herein, we design a novel thermal charging supercapacitor utilizing the reversible insertion/thermo-extraction of NH4+ into/from the V2O5 microflowers, achieving efficient heat-to-electric conversion and storage. Benefiting from the fast diffusion of NH4+ and the micro-nanostructure of the V2O5 cathode, a high thermopower of 12.34 mV K−1 is obtained. Furthermore, an impressive heat-to-electric conversion and storage performance is also demonstrated in the quasi-solid-state ammonium-ion thermal charging supercapacitors (ATSCs). Integrating thermodiffusion with thermoextraction effects, the ATSCs exhibit a high thermopower of 9.78 mV K−1 and an output power density of 12.5 μW cm−2, confirming the potential of NH4+ as an insertion ion in the thermal charging supercapacitor applications.