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?

Esso is a well-known, legitimate company. Most charges from this merchant are authorised and relate to purchases or subscriptions you signed up for. If you don't recognise the charge, 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 the charge, contact Esso customer support and ask for an explanation and refund.
  4. Dispute with your bank: If the merchant does not resolve the issue, call the number on the back of your card and ask to raise a chargeback on the ESSO transaction. Provide the transaction date and amount.
  5. Section 75 rights: If you paid by credit card and the amount was over £100, you may have additional protection under Section 75 of the Consumer Credit Act 1974.

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?

Esso is a well-known, legitimate company. Most charges from this merchant are authorised and relate to purchases or subscriptions you signed up for. If you don't recognise the charge, 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?

To stop ESSO charges from appearing on your statement, you need to cancel your Esso subscription or account. Log in to the Esso website, go to your account settings, and cancel your subscription. If you cannot find the cancellation option or do not recognise the charge, contact your bank to dispute it and block future payments.

How do I get a refund for a ESSO charge?

If you believe you have been charged incorrectly by Esso, first contact their customer support to request a refund. If they are unresponsive or unhelpful, contact your bank and ask to raise a chargeback. You typically have up to 120 days from the transaction date to raise a chargeback claim. For credit card purchases over £100, you may also be protected under Section 75 of the Consumer Credit Act.

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