Hematite (α-Fe2O3) is a promising photoanode material for photoelectrochemical water splitting. Surface-passivating layers are effective in improving water oxidation kinetics; however, the passivation mechanism is not fully understood due to the complexity of interfacial reactions. Focusing on the Fe-terminated Fe2O3 (0001) surface that exhibits surface states in the band gap, we perform ab initio quantum dynamics simulations to study the effect of an α-Ga2O3 overlayer on charge recombination. The overlayer eliminates surface states and suppresses charge recombination 4-fold. This explains in part the observed cathodic shift in the onset potential for water oxidation. The increased charge carrier lifetime is an outcome of two factors, energy gap and electron–vibrational coupling, with a positive contribution from the former but a negative contribution from the latter. This work presents an advance in the atomistic time-domain understanding of the influence of surface passivation on charge recombination dynamics and provides guidance for designing novel α-Fe2O3 photoanodes.