The erosion and sedimentation of bank slopes are important factors affecting the safety of wharf operations. The essence of bank slope monitoring is to identify the water–soil interface. This paper proposes a model for soil-and-water interface identification and monitoring equipment buried on the bank slope of the wharf, based on the difference in thermodynamic heat transfer between water and soil media, and presents the results of multi-condition numerical simulation. The comparison between numerical simulation results and indoor experimental results shows that the overall patterns are consistent, with an error of less than 11.4%, which is lower than the deviation between theoretical calculation results and indoor experiments. Based on the accuracy of the numerical calculation results, the temperature rise and propagation characteristics of linear heat sources made of iron and PVC in eight types of cohesive soils and six types of non-cohesive soils were studied. The results indicate that there are significant differences in the temperature distribution of linear heat sources made of iron and PVC in both water and soil media. The monitoring equipment model based on the difference in heat transfer between water and soil can be applied in practical engineering. This provides a foundation for the design and application of subsequent monitoring equipment.