Money & Debt: templates and forms

A receipt by which a private individual in Cyprus confirms receiving money from another: the sum in figures and words, what it is for, the date and method of payment, and whether it settles the whole debt or is a payment on account, with the balance left. Useful for repaying a loan, returning a deposit, selling an item or any cash payment, which otherwise leaves no trace. It is signed by the person receiving the money, and since 2026 needs no stamp duty.

For a private sale of equipment, furniture, tools, instruments — anything handed over by hand. The contract describes the item, the price in words and in figures, and the seller's declaration that the item is theirs and is not pledged. Note that it will not do for a motor vehicle: there the law requires the signatures to be notarised.

The receipt in which someone in Greece who takes money from a private person confirms it: who paid and who received, the sum in figures and words, what it was for, the date and method of payment, and whether it settles the whole debt or is paid on account, with the balance. A debtor who pays is entitled to a written receipt and, on paying the whole debt, to the return of the debt document (art. 424 of the Greek Civil Code). It goes with the loan agreement, the acknowledgment of debt and the settlement.

A receipt under § 368 of the German Civil Code (BGB) in which the person paid confirms receiving money — in cash or by transfer, for instance for repaying a private loan, an instalment, a deposit or a private sale. With the sum in figures and words, the date, the method, the reason for the payment and whether the debt is now fully paid or what remains. The payer can demand a receipt on paying; in German, to be printed and signed by hand by the person receiving the money.

Written evidence that a sum has been paid and received — on a private sale, a deposit, rent or a loan. It is completed by the person receiving the money and signed as the money changes hands.

A Greek private agreement for a loan of money between private persons — relatives, friends, acquaintances: the parties with their AFM tax numbers, the sum in figures and words, how it is paid out, a fixed repayment day or instalments, interest and default interest. The rate is set against the ceiling for loans outside banks (7.90% a year from 16 September 2026), and the 3.6% digital transaction duty is placed on the borrower, payable to the Greek tax authority (AADE) by the end of the following month. Signed by both, it is the document a payment order runs on.

For when you lend out a thing free of charge — a tool, a piece of equipment, a car, a room. It differs from a lease in that nothing is paid, and from a money loan in that the same thing comes back rather than its value. So the description of the item and its condition at handover carry the whole weight of the contract: without them there is no way to show that what came back is not what went out.

For lending money to a relative or friend in France and keeping solid proof of it. The agreement, in French under French law, sets the amount, payment by bank transfer, a written interest rate or an interest-free loan, repayment in one sum or by monthly instalments, early repayment and what follows a late payment. It leaves the space where the borrower writes the sum in words and figures by hand (article 1376 of the French Civil Code) and recalls the tax declaration on form 2062 above €5,000. Print two copies, both signed by both parties.

A loan agreement under Austrian law for money lent between private individuals — family, friends or acquaintances. It records the amount, payment by bank transfer, interest or an interest-free loan, repayment in one sum, in instalments or after one month's notice (§ 986 of the Austrian Civil Code, ABGB), default interest at 4% (§ 1000 ABGB) and acceleration on default. No set form and no stamp duty since 2011. Between spouses or registered partners a notarial deed is required (§ 1 Abs 1 lit b NotAktsG), and the agreement asks about it. A guarantee is a separate declaration. Private lenders only. In German, to print and sign.

A receipt under § 1426 of the Austrian Civil Code (ABGB): the person receiving the money confirms in writing who paid how much, when, how — in cash or by transfer — and for what, and whether the debt is now paid off or this is only a part-payment, with the balance left. Anyone who pays in Austria may always ask for a receipt. It goes with the private loan, the acknowledgement of debt, the settlement and the instalment agreement. In German, to fill in, print and have signed by the payee.

A loan agreement under German law for money lent between private individuals — friends, family or acquaintances. It sets out the amount, payment by bank transfer, the interest or an interest-free loan, repayment in one sum or in instalments, early repayment, default interest under § 288 of the German Civil Code (BGB) and the three months' notice of § 488 BGB where no date is fixed. For private lenders only: a business lending to a consumer falls under consumer-credit law. In German, no set form — print, both sign, each keeps a copy.

The receipt by which a private person in Romania confirms receiving money from another: who received it and from whom, the sum in figures and words, what for, how it was paid and what remains to be paid. It is the written proof of a payment between private persons — a deposit, an instalment, a loan repaid — and matters most above 250 lei, the value above which a transaction can no longer be proved by witnesses.

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.

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.

A written cancellation, sent to a bank in Cyprus, of a standing order or a direct debit from your account. It names the account, the payee and the mandate or reference number, asks that nothing be debited from the date you set and that the cancellation be confirmed in writing, and is copied to the payee, because a direct debit mandate is cancelled with the payee too. An authorised direct debit can be refunded if asked within 8 weeks, and an unauthorised one within 13 months.