Money & Debt: templates and forms
9 forms available to fill out or download.
Receipt for money received (Poland)
The receipt a payer can demand from whoever takes the money (art. 462 of the Polish Civil Code) — when repaying a loan, returning a deposit, or paying a price or instalment in cash: who pays and who receives, the amount in words, what it is for, the date and method of payment, and whether it settles the debt or leaves a balance. It is the basic proof of payment when money changes hands directly.
Claim under an insurance policy (Poland)
A claim or notice of an event under voluntary insurance in Poland — personal accident, travel, home, health or life: the policy number and type, the date and place of the event, what happened, the loss or injury, the amount claimed and the account for payment, and a request for the list of documents needed. It reminds the insurer that it pays within 30 days, and the undisputed part always within that time (art. 817 of the Civil Code).
Complaint to a bank or other financial institution (Poland)
A customer's complaint to a Polish bank, credit union, lender or insurer — about a wrongly charged fee or interest, an instruction not carried out, a faulty transfer or a refused payout: the product or contract, what the complaint is about, the demand, the amount and account for a refund, and how to reply. It reminds the institution of the statutory 30 days — 15 business days for payment services — after which the complaint is deemed decided in the customer's favour.
Notice closing a personal payment account (Poland)
Notice ending a personal account agreement with a Polish bank or other payment provider: the account number and contract date, termination of the linked card and service agreements too, the account for the remaining balance, and a request to confirm closure. It relies on the Payment Services Act: notice cannot exceed one month, and closing is free unless it happens within the first 6 months.
Out-of-court settlement agreement (ugoda pozasądowa)
A Polish settlement that ends a dispute without going to court — over a payment, damage, a tenancy account or a service: the parties with PESEL numbers, the dispute, what each side concedes, the amount, deadline and account for payment, and a statement that performing the settlement exhausts the claims concerned (art. 917 of the Civil Code). It explains that such a settlement is not enforceable on its own, and how to make it so if the other side fails to perform.
Cancellation of a standing order or direct debit (Poland)
An instruction to a Polish bank cancelling a standing order or withdrawing consent to direct debits for a named payee — a telecoms firm, an electricity supplier, a club or a former landlord — with the account number, the payee's details and payment reference, and if needed a request to refund the last debit within 8 weeks. It reminds the reader that cancellation must arrive by the business day before the debit at the latest.
Acknowledgement of debt (uznanie długu)
A debtor's written acknowledgement of a debt under Polish law: the creditor, what the debt is for and how much it is as of a stated date, in words, and an undertaking to pay by a date or on a schedule into a stated account. Acknowledging a debt interrupts the limitation period, which then starts again (arts. 123 and 124 of the Civil Code), and is strong evidence the debt exists, which is why creditors often ask for one before agreeing to instalments.
Pre-action demand for payment (Poland)
A final demand before going to court, for use between private individuals or by a consumer against a business: the amount and what it is for, when it fell due, statutory late-payment interest from a stated date, the payment deadline and account, and notice of a lawsuit. It is the attempt at amicable settlement a Polish court asks about (art. 187 § 1(3) of the Code of Civil Procedure). Invoices between businesses have a separate document.
Loan agreement (umowa pożyczki)
A Polish agreement for a cash loan between private individuals, family included: the parties with their PESEL numbers, the amount in words, how and when it is paid out, the interest, the repayment date or schedule, late-payment interest and the account for repayment. It explains the tax on civil-law transactions: 0.5% and a return within 14 days, with close family exempt up to 36,120 zł without formalities, and above that only after filing and a bank transfer.