Provided is a precoated fin material for heat exchangers that is capable of: preventing the formation of frost as soon as possible during operation of a heater; under conditions where condensation is likely to form on a fin surface, quickly removing water droplets by causing the droplets of condensed water to contact a hydrophilic membrane; and configuring a fin structure able to maintain a favorable heat exchange function without increasing ventilation resistance. Further provided is a heat exchanger provided with such a fin structure. The precoated fin material for heat exchangers is provided with: a fin substrate formed from an aluminum plate; a cross-linked water-repellent membrane having a frost-suppressing effect, provided on one surface of the fin substrate, and formed of an aqueous water-repellent coating composition containing prescribed proportions of a resin (A) having a fluorine-atom-containing group, a denatured epoxy resin (B) containing a quaternary ammonium base, and an amino resin (C); and a hydrophilic membrane having a condensation-removing effect and provided on the other surface of the fin substrate. The heat exchanger is provided with a fin structure in which the water-repellent surface having the frost-suppressing effect and the hydrophilic surface having the condensation-removing effect are opposite one another.