Transparent conductive electrode (TCE) is an essential part of modern optoelectronic devices. Silver nanowire (AgNW) is regarded as the most promising TCEs, owing to its balanced conductivity and transparency, and solution processability. The use of insulating polyvinyl pyrrolidone (PVP) surfactant limits the conductivity of the final AgNW networks. Herein, by introducing a small amount of deionized water into the AgNWs dispersion in isopropanol (IPA), the conductivity of the spray-coated AgNW electrode was significantly improved. Sheet resistance (Rs) of 27.0 omega & x25a1;(-1)with transparency of 92% (at 550 nm) was obtained for the AgNW films spray coated from the AgNW ink with 20% water, which is much lower than the IPA-only AgNW film (120.9 omega & x25a1;(-1)with similar transparency). Morphology analysis confirmed that water is able to wash PVP away from the AgNW surface and promote the formation of AgNW bundles, which increase the conductivity. The optimized AgNW ink was then used for perovskite and polymer solar cells. High power conversion efficiencies of 14.04% for perovskite solar cell and 6.44% for organic solar cells with averaged light transmittance of 21.7% and 33.12% are achieved, respectively, which are among the highest values for all solution-processed semi-transparent perovskite and polymer solar cells.