SWW — South West Water Bank Charge Explained

SWW on your bank statement is a transaction descriptor for South West Water, a utilities company. South West Water supplies water and wastewater services across Devon, Cornwall and parts of Dorset and Somerset. A recurring charge is your water bill, paid monthly or in instalments by Direct Debit.

What Is the SWW Charge?

SWW is a transaction descriptor for South West Water, a utilities company.

South West Water supplies water and wastewater services across Devon, Cornwall and parts of Dorset and Somerset. A recurring charge is your water bill, paid monthly or in instalments by Direct Debit. It typically appears as SOUTH WEST WATER on your statement.

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 SWW is the official identifier that South West Water registered with Visa or Mastercard.

Is the SWW 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 South West Water account to review recent activity.

How Do I Cancel or Dispute a SWW Charge?

  1. Identify the charge: Confirm the charge is from South West Water 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 South West Water 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 South West Water Use on Bank Statements?

South West Water may also appear on your statement as:

Frequently Asked Questions About SWW

What is SWW on my bank statement?

SWW is a bank statement transaction code for South West Water, a utilities company. South West Water supplies water and wastewater services across Devon, Cornwall and parts of Dorset and Somerset. A recurring charge is your water bill, paid monthly or in instalments by Direct Debit. It typically appears as SOUTH WEST WATER on your statement. This descriptor appears because banks display a shortened payment code instead of the full company name.

Is SWW 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 South West Water account to review recent activity.

Why is SWW on my bank statement?

SWW appears on your statement because South West Water 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 SWW?

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 SWW 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 South West Water and all its known transaction codes, visit the South West Water merchant page.