This study investigates the spatial and temporal variability of chromophoric-dissolved organic matter (CDOM) in the Mediterranean Sea. The analysis is carried out using a state-of-the-art 3D biogeochemical model. The model describes the plankton dynamics, the cycles of the most important limiting nutrients, and the particulate and dissolved pools of carbon. The source of CDOM is directly correlated to the dynamics of dissolved organic carbon (DOC) by a fixed production quota. Then CDOM degrades by photobleaching and remineralization. The main innovation of the system is the inclusion of a bio-optical radiative transfer model that computes surface upwelling irradiance, and therefore simulates remotely sensed reflectance (Rrs). Simulation results of three model configurations are evaluated using satellite Rrs, particularly at 412 nm, 443 nm, and 490 nm. All simulations show a winter minimum in Rrs for the considered bands. However, different parameterizations of DOC-release induce a different accumulation of CDOM, especially in the eastern Mediterranean, and a different Rrs signature: a more active microbial loop during summer implies a decrease of Rrs at 412 nm. We demonstrate how the usage of a bio-optical model allows us to corroborate hypotheses on CDOM-cycling based on blue–violet Rrs data, supporting the importance of this complementary data stream with respect to satellite-derived chlorophyll.