Here, we report the synergistic effect of dual TiO2 layers to enhance the PEC performance of Zirconium-doped zinc ferrite (ZZFO) photoanode by improving the charge carrier density and suppressing the photogenerated charge recombination. The TiO2 underlayer works as a blocking layer to remarkably suppress the back-injection of electrons from the fluorine-doped tin oxide (FTO) leading to reducing the bulk charge recombination. While interlayer TiO2 improves the bulk charge transfer property of ZZFO photoanodes. The optimal TiO2 double-layer modified ZZFO photoanode exhibits an enhanced photocurrent of 0.435 mA/cm2 at 1.23 V vs. reversible hydrogen electrode (RHE), which is 2.5 times higher than that of the ZZFO photoanode. The effect of each layer was deeply investigated by electrochemical impedance spectroscopy (EIS), intensity-modulated photocurrent spectroscopy (IMPS) and time-resolved photoluminescence studies (TRPL) with the aim of gaining a clear picture of the interface modifications and their impact on the efficiency of the ZZFO photoanode.