The asymmetric unit of the title compound, (C6H9N2)4[BiCl6]Cl·H2O, contains four protonated 2-amino-6-methylpyridine (HAMP) cations and two-halves of two [BiCl6]3− anions, together with one water molecule and one chloride anion. The BiIII atoms are hexacoordinated by Cl atoms, forming distorted octahedral geometries. In the crystal structure, intramolecular O—H⋯Cl and N—H⋯Cl, and intermolecular O—H⋯Cl and N—H⋯O interactions link the molecules into a three-dimensional network.