The invention discloses a fluid cooling charging device, comprising a charging gun and a charging cable internally provided with a plurality of liquid cooling pipelines, wherein the charging gun comprises a main liquid cooling terminal, one end of the main liquid cooling terminal is provided with a blind hole along the axial direction, and the charging cable is connected to the opening of the blind hole; a division piece is disposed in the blind hole, the division piece divides a part of the blind hole in the division piece into an upper cavity and a lower cavity, and the two cavities communicate with each other at the tail end of the blind hole. The fluid cooling charging device disclosed by the invention not only can effectively solve the heat dissipation problem during high power charging, and compared with the conventional multi-part assembly mode, the fluid cooling charging device disclosed by the invention does not have the problem that the insulating fluid flows into an assemblygap to affect the conductivity, and has a simple structure.