Herein, a novel photoelectrochemical (PEC) active material based on Bi-MOF&CdS-QDs (B&C) is prepared for the first time. Concurrently, a novel form of ultrasensitive PEC biosensor is created for the purpose of detecting CYFRA21-1. The improvement of B&C photocurrent activity is due to the “II-type” electron transport mechanism between Bi-MOF and CdS-QDs. PEC platform is built on B&C modified electrode. The CYFRA21-1 antibody (Ab) is further associated with B&C; bovine serum albumin (BSA) blocks the non-specific binding site. Finally, CYFRA21-1 antigen (Ag) was modified by Ag-Ab specific recognition reaction. Photocurrent signals are suppressed because biological macromolecules are intrinsically insulated. This method enables extremely sensitive CYFRA21-1 detection. The linear range of the PEC biosensor used for CYFRA21-1 detection is 0.0001 ∼ 100 ng·mL−1, and the detection limit is as low as 300 fg·mL−1. This is the first reported PEC immunosensor based on Bi-MOF. The findings indicate that this approach offers a viable platform for sensitive detection of CYFRA21-1.