Dissolved black carbon (DBC) released from biochar can be one of the potential disinfection by-products (DBPs) precursors in the dissolved organic matter pool. However, the physiochemical and structural properties of DBC and the effects on the development of DBPs and DBP formation potential (DBPFP) during the disinfection process remain unclear. In this study, the characteristics of two kinds of DBC, namely, animal-derived DBC (poultry litter DBC, PL-DBC) and plant-derived DBC (wheat straw DBC, WS-DBC), were investigated. The effects of different kinds of DBC on the evolution of DBPs and DBPFP in chlorine and chloramine disinfection processes were compared with natural organic matter (NOM). The results showed that the total DBPs concentrations derived from PL-DBC, WS-DBC and NOM were similar during chlorination (i.e., 61.23 µg/L, 64.59 µg/L and 64.66 µg/L, respectively) and chloramination (i.e., 44.63 µg/L, 44.42 µg/L and 45.58 µg/L, respectively). The lower total DBPs and DBPFP concentrations in chloramination could be attributed to the fact that the introduction of ammonia in chloramine inhibited the breaking of the bond between the disinfectant and the active group of the precursor. Additionally, DBC presented much lower total DBPFP concentrations than NOM in both chlorination and chloramination. However, both kinds of DBC tended to form more monochloroacetic acids and haloacetamides than NOM, which could result from the higher organic strength, higher protein matter, and nitrogen-rich soluble microbial products of DBC.