ESSO — Esso Bank Charge Explained

ESSO on your bank statement is a transaction descriptor for Esso, a retail company. Esso is a petrol-station brand owned by ExxonMobil, with fuel, convenience and Esso Extras rewards. Charges are one-off and vary by purchase, and pay-at-pump may briefly hold a higher amount before settling.

What Is the ESSO Charge?

ESSO is a transaction descriptor for Esso, a retail company.

Esso is a petrol-station brand owned by ExxonMobil, with fuel, convenience and Esso Extras rewards. Charges are one-off and vary by purchase, and pay-at-pump may briefly hold a higher amount before settling. They usually appear as ESSO followed by the station location.

This code appears on your bank statement because banks display a short payment reference — set by the merchant's payment processor — rather than the company's full trading name. The code ESSO is the official identifier that Esso registered with Visa or Mastercard.

Is the ESSO Charge Legitimate?

A charge from this merchant may relate to a purchase, subscription, trial or another transaction. Only you and your bank can confirm whether a payment was authorised. It may help to check your email for a receipt, or log into your Esso account to review recent activity.

How Do I Cancel or Dispute a ESSO Charge?

  1. Identify the charge: Confirm the charge is from Esso by checking your email for a receipt or logging into your account on their website.
  2. Cancel your subscription: If you no longer want the service, log in to Esso and cancel your subscription through account settings before the next billing date.
  3. Contact the merchant: If you do not recognise this entry, contact your bank or card issuer and ask them to confirm the transaction and merchant details. Only you and your bank can confirm whether a payment was authorised.
  4. Contact your bank: If the merchant does not resolve the issue, contact your bank or card issuer using the number on the back of your card. They can explain what options may be available and what information they need.

What Other Names Does Esso Use on Bank Statements?

Esso may also appear on your statement as:

Frequently Asked Questions About ESSO

What is ESSO on my bank statement?

ESSO is a bank statement transaction code for Esso, a retail company. Esso is a petrol-station brand owned by ExxonMobil, with fuel, convenience and Esso Extras rewards. Charges are one-off and vary by purchase, and pay-at-pump may briefly hold a higher amount before settling. They usually appear as ESSO followed by the station location. This descriptor appears because banks display a shortened payment code instead of the full company name.

Is ESSO a scam?

A charge from this merchant may relate to a purchase, subscription, trial or another transaction. Only you and your bank can confirm whether a payment was authorised. It may help to check your email for a receipt, or log into your Esso account to review recent activity.

Why is ESSO on my bank statement?

ESSO appears on your statement because Esso processed a payment through their card payment provider. The code is set by their payment processor and is the official descriptor registered with Visa or Mastercard. Common reasons include a subscription renewal, a one-off purchase, or a trial period that has converted to a paid plan.

How do I cancel ESSO?

If you do not recognise this entry, contact your bank or card issuer and ask them to confirm the transaction and merchant details. Only you and your bank can confirm whether a payment was authorised.

How do I get a refund for a ESSO charge?

If you cannot resolve this with the merchant, contact your bank or card issuer. They can explain what options may be available for this type of payment and whether any time limits apply.

For more information about Esso and all its known transaction codes, visit the Esso merchant page.