Semitransparent organic solar cells (ST-OSCs) based on all narrow bandgap (all-NBG) semiconductors are attractive for building integration. Unfortunately, advanced NBG Y-series acceptors cannot well match with the NBG donors, resulting from their mismatched energy levels and poor compatibility. Herein, a facile terpolymer design strategy is adopted to improve the matching of Y6 with efficient NBG polymer donor PCE10. F or Cl atom functionalized benzodithiophene (BDT) are introduced into the PCE10 matrix to afford two series of terpolymers, namely PCE10-BDT2F and PCE10-BDT2Cl. Compared with PCE10, all terpolymers show deeper energy levels, higher extinction coefficients, enhanced face-on orientation, and better compatibility with Y6. Consequently, significant breakthroughs are achieved for both opaque and semitransparent devices. Particularly, a record power conversion efficiency (PCE) of 13.80% is achieved by PCE10-BDT2F:Y6-based device, nearly 40% higher than PCE10:Y6-based device. ST-OSCs also achieve impressive PCEs of 12.00% and 10.85% with average visible transmittance (AVT) of 30.98% and 41.08%, respectively, and both PCEs are the highest values with AVT over 30% and 40%. An outstanding light utilization efficiency (LUE) of 4.46% further demonstrates the successful balance of PCE and AVT. These results demonstrate that the design of NBG terpolymers is a facile and highly encouraging strategy for promoting breakthroughs in ST-OSCs.