Aquatic habitats are extremely dynamic, with constantly changing ecological factors, which has now been exacerbated due to human-induced rapid environmental change. In such variable environments, it becomes essential to understand how personality and cognition in organisms affect the adaptability of individuals to different habitat conditions. To test this, we studied how personality-related traits as well as cognitive ability differ between populations of wild-caught zebrafish (Danio rerio) from habitats that differed in various environmental factors. We measured emergence into a novel environment as an indicator of boldness, and performance in a spatial task inferred from feeding latencies in a maze over repeated trials to assess learning and memory, as an indicator of cognitive ability. We found that personality affects cognition and although bolder fish are better learners, they show poorer retention of memory across populations. Although personality and cognitive ability varied between habitats, the patterns of their correlations remained similar within each population. However, the individual traits (such as sex and size) that were drivers of personality and cognition differed between the habitats, suggesting that not only do behavioral traits vary between populations, but also the factors that are important in determining them. Personality and cognitive ability and the correlations between these traits determine how well an organism performs in its habitat, as well as how likely it is to find new habitats and adapt to them. Studying these across wild zebrafish populations helps predict performance efficiencies among individuals and also explains how fish adapt to extremely dynamic environments that can lead to variation in behavioral traits and correlations between them. This study not only sheds light on the drivers of interindividual variation and co-occurrence patterns of personality and cognition, but also individual and population factors that might have an effect on them.