The construction of nanostructured Z-heterostructures is a potent strategy for achieving efficient photocatalyst synthesis. Herein, a novel Cu2O/Cu-Ag/AgCl (CCAA) Z-scheme heterostructure was created via photoreduction precipitation and utilized for pollutant decomposition and microorganism inactivation. Subject to visible light (λ > 420nm) illumination, specimen CCAA-2 demonstrated superior photodegradation competence for Congo Red (CR), achieving a degradation rate of 92.6% within 60min. The superior removal performance is attributed to the Z-scheme heterostructure, featuring precise interfacial contact, and the combined effect of adsorption and photocatalytic activity. Meanwhile, the optimal sample, CCAA-2, was able to achieve 100% inactivation of Escherichia coli (E. coli) and Staphylococcus aureus (S. aureus) within 15min under visible light. The photocatalytic performance of CCAA nanocomposites is primarily attributed to the surface plasmon resonance (SPR) effect of the noble metal Ag and the fabrication of Z-Scheme heterostructures to improve the utilization efficiency of electrons (e-) and holes (h+). Particularly, the photocatalytic mechanism was scrutinized via active substance capture experiments and electron spin resonance (ESR) analysis, uncovering that •O2ˉ and h+ served as key active constituents. Hence, this research presents a feasible approach for designing and constructing Z-Scheme heterojunctions for efficacious removal of contaminants from water.