Novel Z-scheme 0D/3D p-Ag6Si2O7/n-Bi2O2CO3 micro-flowers heterojunctions were fabricated by a CTAB-aided deposition and in-situ growth route for the first time. The photocatalysts were characterized systematically via XRD, XPS, SEM, BET, EDS, TEM and Mott-Schottky. Under simulated sunlight irradiation, the AB0.15 (the molar ratio of Ag6Si2O7/Bi2O2CO3 is 0.15:1) presented optimal removal rate of methyl orange (0.1064 min−1), which was 18 and 15 times that of Bi2O2CO3 and Ag6Si2O7, respectively. Simultaneously, the AB0.15 can effectively eliminate colourless ciprofloxacin from water (0.0768 min−1), which ruled out the photosensitization. The outstanding organics mineralization ability and photocatalytic stability of AB0.15 were verified by TOC and cyclic tests. As evidenced by UV–vis DRS, PL and electrochemical experiments, AB0.15 exhibited broaden light absorption and improved charge separation efficiency compared with single-phase samples. Trapping experiments and ESR electron spin test proved that h+ and •O2− were principal active species during the degradation. The performance enhancement was mainly ascribed to the synergistic action of p-n heterojunction built-in electric field and Z-scheme charge migration mode, extremely promoted the activization and separation of carriers. This study offers a new perspective for designing high-performance Z-scheme photocatalysts for sewage purification.