To accurately describe operational electric vehicle (EV) drivers' irrational charging decision-making behaviors,a decision-making model for charging of operational EVs based on adapted cumulated prospect theory (ACPT) is established. Firstly,considering factors including arriving time,battery power remaining and psychological safety electricity,the charging demand models according to different mixes of peak and valley electricity tariffs is constructed. Then,a variable heterogeneous reference point model for the risk-preference-based ACTP is proposed with consideration of drivers' differences in psychological perception of arriving time and battery power remaining. Finally,the charging decision is evaluated based on the cumulative prospect values of the operational EV. Simulations are implemented and the results show that under the premise of a psychologically safe power level,owners with weaker psychologically perceived value will charge in advance instead of delaying charging. By combining risk preference and psychologically perceived value,the charging decision-making model proposed by this paper can explain irrational decision-making behaviours of operational EV drivers more accurately.