The buildup of silver nanoparticles (AgNPs) in soil has raised mounting concerns on their impact on human health. Human are exposed to AgNPs in soils via hand-to-mouth activities (direct exposure) and food consumption (indirect exposure). However, the bioaccessibility of AgNPs under these exposure scenarios remains largely unknown. We used a physiologically based extraction test (PBET) to assess Ag bioaccessibility in AgNP-containing soils and in earthworms (Pheretima guillemi) cultured in these soils. Silver bioaccessibility was 1.2 - 8.4% and 8.1 - 78.7% upon direct exposure and indirect exposure, respectively. These results indicated greater Ag bioaccessibility in earthworms than in soils. Moreover, particle size decreased upon direct exposure, but remained constant upon indirect exposure in wetland soil, as revealed by single particle inductively coupled plasma-mass spectrometry (spICP-MS) analysis. Our results highlight the importance of indirect exposure to NPs.