Most municipal tap water is disinfected with chlorine, chloramine or a related treatment, and those chemicals are harmful to fish and beneficial bacteria. In that situation, use a water conditioner before the new water contacts livestock or filter media. Untreated private well water may not need dechlorination, but it should still be tested for hardness, metals and other local water-quality issues.
Water conditioner is sometimes sold as though it is an optional convenience product. For chlorinated or chloraminated tap water, its core job is much more basic: neutralising disinfectants that are deliberately toxic to microorganisms and can damage aquatic animals.

What a dechlorinator actually does
The primary job is to neutralise chlorine and chloramine so the replacement water is safe for fish and the biological filter. Some products also bind certain metals or contain additional additives, but those extras are secondary to dechlorination.
Read the label rather than assuming every conditioner does the same jobs.
Why the biofilter matters too
Chlorine and chloramine are used to kill microorganisms in drinking water. Beneficial aquarium bacteria are microorganisms as well, so untreated tap water can damage the filter colony in addition to harming fish.
When you may not need a standard dechlorinator
A genuinely untreated private well or other non-disinfected source may not contain chlorine or chloramine. That does not automatically make it ideal aquarium water.
Test mineral content and investigate local contaminants before relying on it.
Dose for the product and situation
Follow the manufacturer's instructions because concentration varies widely between brands. When adding tap water directly to a tank during a water change, many keepers dose for the incoming water or according to the product's directions for whole-tank treatment.
Do not assume more conditioner is always better.
Conditioner does not replace water testing
Dechlorination solves disinfectants. It does not tell you whether pH, GH, KH, nitrate or temperature is appropriate.
Treat those as separate parts of safe water preparation.
Related aquarium tools and guides
Frequently asked questions
Do I need conditioner for every water change?
If the replacement water contains chlorine or chloramine, yes.
Can I use tap water without conditioner if I add it slowly?
No. Slower addition does not neutralise the disinfectant.
Does conditioner instantly make any tap water suitable?
No. It addresses specific chemicals; hardness, pH, nitrate and temperature may still need attention.
Sources and further reading
This guide separates general aquarium arithmetic from fish-welfare decisions. For species-specific limits, always check the needs of the fish you intend to keep.