The limited bioavailability of polycyclic aromatic hydrocarbons (PAHs) in soils poses a challenge for their biodegradation. We hypotheses soapwort (Saponaria officinalis L.) as a factory in-situ providing biosurfactant, which could effectively promote the BaP removal by exogenous or native functional microbes. Rhizo-box and microcosm experiments were conducted to analyze the phyto-microbial remediation mechanism of soapwort, a plant that excretes biosurfactants known as saponins, and combined with two exogenous strains (P. chrysosporium and/or B. subtilis) for benzo[a]pyrene (BaP)-contaminated soils. The results revealed that the natural attenuation treatment (CK) BaP achieved only a 15.90% BaP removal rate after 100 days. In contrast, soapwort (SP), soapwort-bacteria (SPB), soapwort-fungus (SPF), soapwort- bacteria - fungus (SPM) mediated rhizosphere soils treatments yielded removal rates of 40.48%, 42.42%, 52.37%, and 62.57%, respectively. The analysis of the microbial community structure suggested that soapwort stimulated the introduction and native functional microorganisms, such as Rhizobiales, Micrococcales, and Clostridiales, which contributed to BaP removal via metabolic pathways. Furthermore, the efficient BaP removal was attributed to saponins, amino acids, and carbohydrates, which facilitated mobilization, solubilization of BaP, and microbial activity. In conclusion, our study highlights the potential of soapwort and specific microbial strains to effectively remediate PAH-contaminated soils.