Complete pump characteristics (CPCs) are the key for establishing pump boundary conditions and simulating hydraulic transients. However, they are not normally available from manufacturers, making pump station design difficult to carry out. To solve this issue, a novel method considering the inherent operating characteristics of the centrifugal pump is therefore proposed to predict the CPCs. First, depending on the Euler equations and the velocity triangles at the pump impeller, a mathematical model describing the complete characteristics of a centrifugal pump is deduced. Then, based on multiple measured CPCs, the nonlinear functional relationship between the characteristic parameters of the characteristic operating points (COPs) and the specific speed is established. Finally, by combining the mathematical model with the nonlinear relationship, the CPCs for a given specific speed are successfully predicted. A case study shows that the predicted CPCs are basically consistent with the measured data, showing a high prediction accuracy. For a pump-failure water hammer, the simulated results using the predicted CPCs are close to that using the measured data with a small deviation. This method is easy to program and the prediction accuracy meets the requirements for hydraulic transient simulations, providing important data support for engineering design.