The humic substances (HS) have a high reactivity with other components in the natural environment. An important factor for the reactivity of HS is their negative charge. Cationic surfactants bind strongly to HS by electrostatic and specific interaction. Therefore, a surfactant binding model is developed that takes both the specific and electrostatic interactions explicitly into account. The model is analogous to that of ion binding to HS with the NICA-Donnan model,