A moisture-wicking and fast drying cloth has an outer layer and an inner layer. The outer layer is made of hydrophilic synthetic fiber and has multiple meshes. The meshes are defined through the outer layer. The inner layer is made of hydrophobic synthetic fiber and is bonded to the outer layer. The inner layer exposed by the meshes pulls away from a person's skin and protrudes into the meshes when perspiration exceeds evaporating moisture from the outer layer, so area of the inner layer contacting the person's skin will be reduced to make the person comfortable.