The invention relates to a whitening sunscreen fabric and a processing method thereof. The fabric comprises the following raw materials in percentage: 5%-15% of nano pearl fiber, 10%-30% of nano bamboo charcoal fiber, 35%-50% of spandex fiber and 30%-60% of cotton fiber. The fabric has the processing processes of weaving, cloth arranging and end stitching, deoiling, scouring, dyeing, color fixing and washing, singeing, mercerizing, lixiviating and sizing, baking and finished product sizing. In the whitening sunscreen fabric and the processing method thereof disclosed by the invention, through reasonable material selection and a scientific processing process, the fabric has characteristics of light texture, attractive appearance and durability of the fabric of ordinary clothes, and simultaneously has excellent special uvioresistant and skin whitening effects, the raw materials are natural and environment-friendly, the manufacturing cost is low, and the fabric is very suitable for being manufactured into summer clothing with good permeability and sweat absorption.