The quest for scientifically advanced and sustainable solutions is driven by growing environmental and economic issues associated with coal mining, processing, and utilization. Consequently, within the coal industry, there is a growing recognition of the potential of microbial applications in fostering innovative technologies. Microbial-based coal solubilization, coal beneficiation, and coal dust suppression are green alternatives to traditional thermochemical and leaching technologies and better meet the need for ecologically sound and economically viable choices. Surfactant-mediated approaches have emerged as powerful tools for modeling, simulation, and optimization of coal-microbial systems and continue to gain prominence in clean coal fuel production, particularly in microbiological co-processing, conversion, and beneficiation. Surfactants (surface-active agents) are amphiphilic compounds that can reduce surface tension and enhance the solubility of hydrophobic molecules. A wide range of surfactant properties can be achieved by either directly influencing microbial growth factors, stimulants, and substrates or indirectly serving as frothers, collectors, and modifiers in the processing and utilization of coal. This review highlights the significant biotechnological potential of surfactants by providing a thorough overview of their involvement in coal biodegradation, bioprocessing, and biobeneficiation, acknowledging their importance as crucial steps in coal consumption.