Fabric with efficient sweat release and heat dissipation is highly desirable in a broad range of applications. However, creating such materials still remains a tough challenge. Here, inspired by the root pressure water of Populus euphratica and jade heat dissipation, a three‐layer composite fabric (T‐CF) for highly efficient personal drying and cooling is presented. The obtained T‐CF is formed by three individual layers with designed functions. The inner layer, middle layer, and surface layer are composed of cool polyester yarns, cool polyester/bamboo composite yarns, and bamboo yarns, respectively, to form a wetting gradient property. The biomimetic design offers the fabric with promising advantages, such as the unidirectional water conductivity of 800.34%, the water evaporation rate of 0.2611 g h−1, the instantaneous contact cool feeling of 0.186 ± 0.009 w cm−2, and the maximum cool temperature in wet state of 4.74 °C. Consequently, the T‐CF not only has good moisture absorption and moisture conduction, but also has heat dissipation and a certain sense of contact cooling. It is believed that the strategy reported in this work can provide a facile route for new‐generation functional fabric development regarding human health management.