3 down
Swimmer
getting
number
with
cold
bath
at
the
end
(5)
Swimmer getting number with cold bath at the end (5)
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The definition is at the beginning of the clue.
How the clue works
The definition is Swimmer — a tench is a freshwater fish. For the wordplay, take TEN (number), add C (cold, as on a tap), then H, the last letter of bath.