Abstract Innovative strategies for efficient photocatalytic urea production are desirable due to the wide applications of urea and derivatives in agriculture and pharmaceuticals, which remain highly challenging. Here, we introduce a simple but efficient radical addition approach to address this challenge by fully utilizing the in situ, synchronously generated aminyl radical (·NH 2 ) and hydroperoxyl radical (HO 2 ·) via the coupling of photocatalytic NH 3 oxidation and O 2 reduction. The two radicals reassembled and cooperatively reacted with NH 2 COOH to form urea with markedly lower kinetic barrier than the industrial process. This approach not only achieved record‐high urea production and conversion rates (42.6 mmol g cat −1 h −1 and 70%, respectively) but also enabled the direct, single‐step synthesis of unsymmetrical urea derivatives with good yields.