Receipt in full settlement of a debt (Spain)
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For a creditor in Spain who has been paid a debt (a loan, an acknowledgement, a payment agreement) and for the debtor who needs proof. With the creditor's signature, it states that the amount, in words and figures, was received as full payment or as the last instalment, and that the debt is settled with its interest and costs, with nothing more to claim (articles 1110 and 1156 of the Spanish Civil Code). It can list the documents returned and the undertaking to have bad-debtor file entries removed. The signed receipt is handed to the debtor. In Spanish.
- Made for use in Spain
- Last updated October 20, 2026
Published byDocMuse
When to use this document
- You have paid the last instalment of a family loan in Spain and want a paper saying you owe nothing more.
- A friend in Spain has paid back everything you lent and you want to give a receipt.
- You paid a creditor in Spain the agreed sum and need proof to get off the bad-debtor list.
- You need a receipt in full settlement of a debt between private people in Spain.
What you fill in
The details the document asks for.
- Creditor
- Creditor's DNI or NIE (or a company's NIF)
- Creditor's address
- Debtor
- Debtor's DNI or NIE (Spanish identity number)
- Debtor's address
- Amount received in words
- Amount received (figures)
- What the payment covers
- Where the debt comes from (loan, invoice, purchase…)
- How and when it was paid (e.g. transfer of 15/10/2026)
- Documents returned to the debtor (optional)
- City
- Date
Common questions
- What is a receipt in full signed by the creditor used for in Spain?
- It proves payment and, above all, that the debt is closed: a receipt for the capital that reserves no interest extinguishes the interest too, and one for the last instalment, the earlier instalments (article 1110 of the Spanish Civil Code). The debtor should keep it at least as long as the debt could be claimed, which is five years from when it fell due (article 1964.2), and it also serves to have a bad-debtor file entry removed.
- What happens in Spain to the original debt document once the debt is paid?
- The creditor usually returns it to the debtor together with the receipt, and the receipt can record this. Voluntarily handing the debtor the private document that evidences the debt implies giving up the claim (article 1188 of the Spanish Civil Code), and if that document is in the debtor's hands it is presumed to have been handed over voluntarily, unless the contrary is proved (article 1189).
- Is a receipt in full needed in Spain if the debt was paid by bank transfer?
- The transfer proves that an amount was paid, but not that it settles the whole debt, its interest and its costs. The receipt says so expressly, avoids later arguments about balances or interest, and is the proof the holder of a bad-debtor file asks for before removing the debt. It is worth asking for it every time the last payment is made.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.
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