Receipt in full and final settlement – quietanza liberatoria (Italy)
Published byDocMuse
This document is in Italian
The PDF you download is in Italian — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.
For a creditor in Italy who receives payment of a debt – a loan repaid, a saldo e stralcio, the last instalment of a plan – and must issue a receipt, as article 1199 of the Italian Civil Code requires. The document, in Italian under Italian law, names the parties with their codice fiscale and states the amount, date and method of payment, the original debt and whether payment is in full or on account. The creditor signs it. Above €77.47 a €2 revenue stamp (marca da bollo), bought at a tobacconist's, must be affixed.
- Made for use in Italy
- Last updated October 14, 2026
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When to use this document
- A friend in Italy has paid back the money you lent and asks you for a signed receipt.
- You have received the last instalment of a debt and the debtor wants a paper saying it is all paid.
- You accepted a reduced sum to settle a debt and must confirm in writing that the debt is closed.
- You need a payment receipt to sign, either in full or on account.
What you fill in
The details the document asks for.
- Creditor
- Creditor's codice fiscale or VAT number (Italian tax code)
- Creditor's address
- Debtor
- Debtor's codice fiscale (Italian tax code)
- Debtor's address
- Amount received
- Date of payment
- Method of payment
- Where the debt comes from (e.g. a loan received on … by bank transfer)
- Amount due
- Payment in full or on account
- Amount still to be paid
- City
- Date
Common questions
- Does a payment receipt between private persons in Italy need a revenue stamp?
- Yes, when the amount exceeds €77.47: a €2 marca da bollo, bought at a tobacconist's, is affixed to the original. Below that threshold the stamp is due only if the receipt settles in full for less than the original debt without stating that debt, or is for an undetermined sum (tariff annexed to Presidential Decree no. 642/1972, article 13): this receipt always states the original debt. From 1 January 2027 the rule moves into the new consolidated act.
- Is a creditor in Italy obliged to issue a receipt?
- Yes: a creditor who receives payment must issue a receipt if the debtor asks, at the debtor's expense (article 1199 of the Italian Civil Code). A bank transfer slip proves the money was paid, but does not say the debt is closed: for a payment in full, especially after a saldo e stralcio or the last instalment of a plan, the receipt in full and final settlement is the proof that the creditor has nothing more to claim on that debt.
- What is the difference in Italy between a receipt in full and a receipt on account?
- A receipt in full states that, with that payment, the debt named is extinguished and the creditor has nothing more to claim on it; it does not cover other debts between the same parties. A receipt on account only acknowledges the sum received and states the amount still owed. The document asks you to choose one of the two and always states the original debt, so the receipt stays clear even years later.
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
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