The effects of biological heating on the upper-ocean temperature of the global ocean are investigated using two ocean-only experiments forced by prescribed atmospheric fields during 1990–2007, on with fixed constant chlorophyll concentration, and the other with seasonally varying chlorophyll concentration. Although the existence of high chlorophyll concentrations can trap solar radiation in the upper layer and warm the surface, cooling sea surface temperature (SST) can be seen in some regions and seasons. Seventeen regions are selected and classified according to their dynamic processes, and the cooling mechanisms are investigated through heat budget analysis. The chlorophyll-induced SST variation is dependent on the variation in chlorophyll concentration and net surface heat flux and on such dynamic ocean processes as mixing, upwelling and advection. The mixed layer depth is also an important factor determining the effect. The chlorophyll-induced SST warming appears in most regions during the local spring to autumn when the mixed layer is shallow, e.g., low latitudes without upwelling and the mid-latitudes. Chlorophyll-induced SST cooling appears in regions experiencing strong upwelling, e.g., the western Arabian Sea, west coast of North Africa, South Africa and South America, the eastern tropical Pacific Ocean and the Atlantic Ocean, and strong mixing (with deep mixed layer depth), e.g., the mid-latitudes in winter.