Hydrogen is increasingly recognized as a clean and reliable energy vector for decarbonization in the future. In the marine sector, marine solid oxide fuel cells (SOFCs) that employ hydrogen as an energy source have already been developed. In this study, a multi-channel plate-anode-loaded SOFC was taken as the research object. A three-dimensional steady-state computational fluid dynamics (CFD) model for anode-supported SOFC was established, which is based on the mass conservation, energy conservation, momentum conservation, electrochemical reactions, and charge transport equations, including detailed geometric shapes, model boundary condition settings, and the numerical methods employed. The polarization curves calculated from the numerical simulation were compared with experimental results from the literature to verify the model’s accuracy. The curved model was applied by enlarging the flow channels or adding blocks. Numerical calculations were employed to obtain the current density, temperature distribution, and component concentration distribution under the operating conditions of the SOFC. Subsequently, the distribution patterns of various physical parameters during the SOFC operation were analyzed. Compared to the classical model, the temperature of the curved model was reduced by 1.3%, and the velocities of the cathode and anode were increased by 4.9% and 5.0%, respectively, with a 2.42% enhancement in performance. The findings of this study provide robust support for research into and the application of marine SOFCs, and offer they insights into how we may achieving “dual carbon” goals.