A full-scale finite element model is presented for monolithic fluid–structure interaction (FSI) simulations of thin-walled piezoelectric fluid energy harvesters (PFEHs). Unlike widely used beam/plate-based models, our model employs a solid finite element discretization to precisely represent the complex PFEH designs involving microstructured transducers and non-uniform cantilevers. These features, plus the local FSI effects, are often ignored by simplified models. We applied the Galerkin method to formulate the weak form of the mixed equation system, integrating the flow dynamics, the geometrically nonlinear cantilever, the piezoelectric components, the electrode, and the output circuit within a closed-circuit electro-mechanical coupled system. The coupling of the multiple domains is achieved through boundary-fitted discretization within a monolithic scheme, using shifted-Crank–Nicolson temporal integration. This work explored implementing piezoelectric FSI systems within the FEniCS-based TurtleFSI library, and experimented techniques such as employing penalty functions for achieving electrode components with uniform electric potentials. We investigated various advanced PFEH features, including the baseplate design, the arrangement and microstructure of the piezoelectric components, and their influence on the system's dynamic and energy output behavior. The results confirmed the model's key advantages: full-scale modeling allows the integration of complex base structures and transducer microstructures in PFEH design. Combined with monolithic FSI coupling, it offers greater versatility, supporting a wider range of fluid environments and configurations in both wind and hydropower harvesting. Additionally, the modeling strategy can be intended not only to enhance power output, but also to minimize material usage, reduce mechanical fatigue, and extend the operational lifespan of PFEH systems.