The introduction of a coreaction accelerator can effectively enhance the electrochemiluminescence (ECL) response. However, the development of coreaction accelerators for ruthenium (Ru) complex, one of the most widely used ECL emitters, is still in its early stages. In this study, the application of BiOI as a multifunctional coreaction accelerator for the Ru/N-Butyldiethanolamine (DBAE) system for the first time. The BiOI microspheres not only exhibit a fivefold enhancement in ECL signal but also reduce the trigger potential, potentially mitigating interference factors associated with high applied voltage. The nanoflower structure of BiOI microspheres also facilitates the immobilization of Ru(bpy)32+. Building upon this, a portable visual biosensor chip was developed for the detection of ochratoxin A (OTA). The biosensor chip comprises a sensing cell and a reporting cell. When OTA toxins are detected in the microenvironment, the aptamers attached to the surface of the sensing cell are released, resulting in a decrease in impedance on the electrode surface. Consequently, the ECL emission from Ru(bpy)32+/BiOI microspheres modified onto the reporting cell is enhanced. The concentration of OTA can be determined by analyzing the intensity change of ECL imaging, eliminating the need for specific instruments. This visual ECL biosensor chip offers the advantages of portability, ease of operation, low cost, and demonstrates excellent performance in detecting beer samples.