The invention discloses a Al-Ga-In-Sn-Bi alloy for hydrogen production and application of the Al-Ga-In-Sn-Bi alloy to a fuel cell. The Al-Ga-In-Sn-Bi alloy can be obtained by introducing metal bismuth(Bi) into a Al-Ga-In-Sn alloy capable of manufacturing hydrogen through hydrolysis, wherein the contents of In, Sn and Bi by weight are 6%-10%; and the In, Sn and Bi are added according to the required atomic ratio of the In, Sn and Bi according to the mass percentage, wherein the molar amount of In3Sn is m, the molar amount of InSn4 is n, the molar amount of InBi is k, namely, the atomic ratio of the In, Sn and Bi is (3m+n+k):(m+4n):k, the m and n are both greater than or equal to 0 but not equal to 0 at the same time, and the k is greater than 0. According to the Al-Ga-In-Sn-Bi alloy for hydrogen production and the application, the contents of noble metals Ga and In are reduced by adding metal Bi, so that the cost is reduced; and in addition, intermittent phase particles with coexistence of Ga, In, Sn, Bi elements are formed by introducing the Bi, and the reaction rate of the intermittent phase particles and water can be effectively controlled on the premise that hydrogen productionefficiency by the alloy is guaranteed, so that the reaction is more stable, gentle and lasting to meet the requirements of the online hydrogen fuel cells.