The invention discloses a cleaning, derusting and phosphating agent. The cleaning, derusting and phosphating agent comprises the following formula components of raw materials in parts: 10-30 parts of phosphoric acid, 5-10 parts of metaphosphoric acid, 8-10 parts of hypochlorous acid, 5-10 parts of banana oil, 5-8 parts of dimethylbenzene, 5-12 parts of silicone oil, 5-10 parts of methyl ethyl ketone, 5-8 parts of isopropanol, 5-8 parts of diethyl ether, 3-5 parts of urea, 5-6 parts of m-dihydroxybenzene, 3-5 parts of p-hydroxyanisole, 5-8 parts of phenol, 5-8 parts of sodium polyacrylate, 2-3 parts of cocamidopropyl betaine, and 50-60 parts of de-ionized water. The cleaning, derusting and phosphating agent can be used at the normal temperature, has the advantages of quick phosphating speed, good phosphating effect, no corrosiveness, little waste residue discharge, combined completion of cleaning, derusting and phosphating at one step, easy production and low production cost, and can be applied to the degreasing, derusting and phosphating treatment of steel and cast iron products.