The invention discloses a gentle washing-free foam hand lotion with an antibacterial function. The hand lotion consists of a cationic surfactant PL-200, a moistening agent, a chelating agent, an essence and deionized water, wherein the moistening agent is at least one of polyhydric alcohols, polyglycerol, polyglycerol ethers, natural plant extracts, panthenol, ethoxyl urea and vitamin E acetate; the chelating agent is at least one of ethylene diamine tetraacetic acid, ethylene diamine tetraacetic acid tetrasodium, sodium glucoseheptylate and phosphate. When being used with a foam pump head, the hand lotion has foams; as the hand lotion is made of environmental-friendly, natural, green and non-irritant raw materials, the hand lotion can be conveniently used at any time at any place and doesnot need to be cleaned with water; due to addition of the plant derived bionic 'phospholipid' cationic surfactant PL-200, the hand lotion is capable of cleaning hands, inhibiting bacterial and meanwhile effectively moistening skin, is fresh and non-irritant, and is applicable to infants.