Payment reminders

Payment reminder to Bosnia and Herzegovina: 3 English templates

Your business is in Germany or Austria, your client is in Bosnia and Herzegovina, and the invoice is still open? Here are three English reminders ready to copy: payment reminder, second reminder and final notice, with the amount in euros or marks and your bank details for an international transfer.

Wrong country? Pick your client's country here.

Payment reminder to Bosnia and Herzegovina: 3 English templates
Published
Updated
Reading time
4 min read
On this page
  1. Your law, your interest
  2. The three templates
  3. What is different with clients in Bosnia and Herzegovina
  4. How Backbone does it
  5. Frequently asked questions

Your law, your interest

Your contract is usually governed by your German or Austrian law; best to state that in your quote and your terms. For business clients, German law gives you 9 percentage points above the base rate, so 10.52% for the second half of 2026, plus a EUR 40 flat fee. Austrian law gives you 9.2 points, so 10.73%, also with EUR 40. The late-payment interest calculator works out the exact amount.

The three templates

Pick where your business is based, Germany or Austria, above each template: the rate, the law and the flat fee are already filled in. You only replace the bracketed placeholders.

Stage 1: Payment reminder
Subject: Payment reminder — invoice [number]

Dear [Mr/Ms surname],

I hope you are well. This is a friendly reminder that invoice [number] of [invoice date] for [EUR / BAM] [amount] was due on [due date] and is still open on our side.

If the payment is already on its way, please disregard this message. Otherwise, please pay the amount by bank transfer to:

Account holder: [your company]
IBAN: [IBAN]
BIC (SWIFT): [BIC]
Reference: [invoice number]

Kind regards,
[your name]
Stage 2: Second reminder
Subject: Second reminder — invoice [number], now overdue

Dear [Mr/Ms surname],

Despite our reminder of [date], invoice [number] of [invoice date] for [EUR / BAM] [amount] remains unpaid. The payment is now [x] days overdue.

Please settle the outstanding amount by [new date]. Under our terms and German law (§ 288 BGB), default interest of 10.52% per annum applies from [date default began], plus a flat fee of EUR 40 for recovery costs.

IBAN: [IBAN] · BIC (SWIFT): [BIC] · Reference: [invoice number]

If there is a problem with this invoice, please contact me directly so we can sort it out.

Kind regards,
[your name]
Stage 3: Final notice
Subject: Final notice — invoice [number]

Dear [Mr/Ms surname],

Invoice [number] of [invoice date] for [EUR / BAM] [amount] is still outstanding despite two reminders, most recently on [date].

Outstanding amount:                     [EUR / BAM] [amount]
Default interest ([x] days at 10.52%):  [EUR / BAM] [interest]
Flat fee for recovery costs:            EUR 40.00
Total now due:                          [EUR / BAM] [total]

Please transfer the total to IBAN [IBAN] by [date]. If we have not received payment by then, we will hand the claim over for collection, and any further costs will be added to your account.

Kind regards,
[your name]

What is different with clients in Bosnia and Herzegovina

  • A mark with a fixed rate. The local currency is the convertible mark (KM, BAM), pegged to the euro: EUR 1 is always KM 1.95583. Whether you invoice in euros or marks, there is no real currency risk. If your client books in marks, simply convert the reminder amount at this rate.
  • The entity matters. The Federation of Bosnia and Herzegovina, Republika Srpska and the Brčko District partly have their own rules. Check the billing address to see where your client is based before you refer to local deadlines.
  • Payment terms in the Federation. There, terms between businesses are usually capped at 60 days, and 30 days apply if nothing is agreed. Longer terms need a written agreement.
  • Transfer with IBAN and BIC. Give your IBAN and BIC (SWIFT) and the invoice number as the payment reference. With an international transfer, intermediary banks sometimes deduct fees. Best agree that your client pays them.
  • No German VAT. Services to business clients outside the EU are not taxable in Germany or Austria. That is why the templates leave out the reverse-charge line for EU clients.

Why this one matters to us

My goal is to optimise and automate back-office tasks so that we founders can focus on what matters most.

Automating back-office work with AI agents and AI integrations is the future – that's why I built Backbone!

LucaLucaFounder, Backbone

How Backbone does it

Dunning on autopilot. In the app, or in a chat with ChatGPT, Claude and many more.

  1. Switch on dunning

    Set it once. Runs by itself.

    In the chat

    Switch on dunning: first reminder after 7 days, then 14 and 28.

    Backbone connectorupdate_reminder_settings

    Automatic reminders are on.

    • Payment reminder after 7 days
    • 1st notice after 14 days
    • 2nd notice after 28 days
    In the app

  2. Who's overdue?

    One question, every open invoice.

    In the chat

    Which invoices are overdue?

    Backbone connectorlist_dunning
    Overdue
    3
    Nordlicht GmbH
    RE-2026-0118 · 21 days
    €4,280.00
    Kinetik Studio
    RE-2026-0124 · 9 days
    €1,190.00
    Fernweh Reisen
    RE-2026-0131 · 4 days
    €942.50
    Total€6,412.50

    Nordlicht has been open the longest.

    In the app

  3. Send the reminder

    You approve. Only then does it go out.

    In the chat

    Send Nordlicht the 2nd notice now, not on the 25th.

    Backbone connectorsend_reminder
    Send reminder
    Invoice RE-2026-0118 · Due 27/09/2026
    2nd noticeDE
    To
    Nordlicht GmbH[email protected]
    Outstanding€4,280.00Late interest 10.52% · 21 days€25.91Flat fee€40.00Total€4,345.91
    Expires in 28 min28 min
    In the app
  • Automatic dunningLive
  • ChatGPT, Claude and many moreLive
  • Cards in the chatLive

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Frequently asked questions

Can I send a client in Bosnia and Herzegovina a payment reminder in English?

Yes. The country has three official languages, Bosnian, Croatian and Serbian. English saves you from choosing, and if you have been writing to each other in English, an English reminder is the natural choice.

How much interest can I charge?

Under German law 10.52% a year, under Austrian law 10.73%. On top comes a EUR 40 flat fee (as of the second half of 2026). If your contract uses your client's law, their rules apply.

Should I invoice in euros or marks?

Both work without real currency risk, because the mark is pegged to the euro: EUR 1 equals KM 1.95583. What matters is that the invoice and the reminder show the same currency.

What payment terms are usual in Bosnia and Herzegovina?

In the Federation, terms between businesses are usually capped at 60 days, and 30 days apply if nothing is agreed. If your client is in Republika Srpska or Brčko, their own rules apply.

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General information, not legal or tax advice and no review of your case. Details on providers and laws can change. For your case, follow your tax adviser.

Sources: Zakon o finansijskom poslovanju (FBiH) · Central Bank of Bosnia and Herzegovina (CBBH) · § 3a(2) UStG · § 3a(6) UStG 1994 · § 288 BGB · § 456 and § 458 UGB · Deutsche Bundesbank (base rate) · OeNB (base rate) · Directive 2011/7/EU

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