The study presented a novel approach for coupling biodegradation and pyrolysis to transform low-rank coal. In the first stage, four kinds of bacteria, Planomicrobium huatugouensis (P. huatugouensis), Sphingomonas polyaromaticivorans (S. polyaromaticivorans), Pseudomonas putida (P. putida), and Bacillus subtilis subsp. subtilis (B. subtilis subsp. subtilis), were used to transform the Dananhu low-rank coal. After the first stage, the coal that has not been biodegraded (residual coal) undergoes the second stage of pyrolytic transformation, which is carried out by a thermogravimetric analyzer combined with Fourier-transform infrared spectrometry (TG-FTIR). The results showed that the maximum coupling transformation rate of biodegradation and pyrolysis could reach 73.95%, which was 21.88% higher than the thermal transformation rate of Dananhu low-rank coal and 27.37% higher than the optimal microbial transformation rate. This indicated that coupling transformation could significantly improve the utilization rate of Dananhu low-rank coal. In the stage of biodegradation transformation, bacteria destroyed the carboxyl groups, ether bonds, and other oxygen-containing functional groups in Dananhu low-rank coal, converting the large molecules of coal into liquid molecules, meanwhile, the compact coal structure became loose, and the residual coal was also pyrolyzed easily than Dananhu low-rank coal. During the pyrolysis process, a large number of fatty chains, carboxyl groups, oxy groups, and hydroxy groups were decomposed to produce lots of gas-phase products. The pyrolysis products showed an increase in the release of CO and CH4, and an increase in the proportion of aliphatic hydrocarbons in the volatiles. The high efficiency of coupling transformation is due to the combination of the advantages of the two technologies, which is achieving the green and energy-efficient utilization of low-rank coal.