The invention discloses a self-adapting charging method for a vehicle-mounted power battery. The method comprises the steps that when the battery is charged, a main control module calculates the state of charge (SOC) of the battery according to battery current, voltage and temperature information collected by a battery sensor module; a temperature variable quantity delta H and the SOC are input to a fuzzy controller in the main controller module, and the optimal charging current in the current state is output through a fuzzy control algorithm; A PID controller controls a PWM driver to produce a control signal with a proper duty ratio; a current regulation module dynamically regulates charging current according to the control signal, and therefore the purpose of self-adapting charging is achieved. In order to make the charging current quickly and accurately reach the optimum value, a fruit fly optimization algorithm (FOA) is adopted to dynamically regulate parameters of the PID controller. According to the self-adapting charging method, the charging current can be regulated in a self-adapting mode, the charging time of the battery can be effectively shortened, the charging efficiency of the battery can be effectively enhanced, and the service life of the battery can be effectively prolonged.