Hydrophilization of wool fabrics was performed by silver nanoparticles with different surface charge using three different methods: exhausting, pad–dry–cure and in situ synthesis. Dynamic wetting measurements and surface topography analysis were used to evaluate surface changes on wool fabrics. The wool samples in situ loaded revealed the highest fabric roughness and porosity, while the use of the pad–dry–cure method leads to the lowest fabric porosity, and its roughness values approximately were the same as those for samples loaded with the exhaustion method. The results revealed that loading silver nanoparticles with high surface charges onto wool fabrics via the exhaustion method can significantly improve the hydrophilicity of wool fibre surface. The possible reasons for this improvement are discussed.