This study presents a novel approach to enhancing the removal efficiency of Chemical Oxygen Demand (COD) from water using a submicron fly ash carrier (MFA) doped with manganese (Mn) and bismuth (Bi). The synthesis process involved mechanical ball milling and alkali activation of original fly ash (FA) to obtain MFA, followed by impregnation calcination to prepare the Mn-Bi@MFA composite. The synergistic effect of Mn and Bi facilitated the formation of abundant oxygen vacancies on the catalyst surface, significantly reducing the band gap width. The Mn-Bi@MFA composite exhibited remarkable properties with a specific surface area and pore structure reaching 15.17 m2/g and 0.062 cm3/g, respectively, surpassing FA by 7.16 and 20.67 times, respectively. Utilizing the Mn-Bi@MFA/O3 system, the COD removal amount reached 562.73 mg/g under specific conditions (reaction time = 60 min, pH=7.0, catalyst dosage = 1.0 g/L, ozone dosage = 2.0 g/h), exceeding that of the ozone-alone system by 51.62 %. Moreover, Mn-Bi@MFA demonstrated excellent environmental adaptability and repeatability. An investigation into the contribution order of different free radicals revealed •OH>O2•- >1O2 in COD removal, elucidating the mechanisms of ozone oxidation, catalytic ozonation, and photocatalysis. This research provides valuable insights into the development of efficient and sustainable water treatment strategies employing advanced nano-material-based catalysts.