# Payment reminder to a client in Sweden: 3 English templates > Your business is in Germany or Austria, your client is in Sweden, 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 kronor, the Swedish VAT ID and your bank details in the right place. Source: https://back-bone.io/en/blog/mahnung-schweden Published: 2026-10-17 · Updated: 2026-10-18 Category: Guides **Change country** *EU* - [Austria](https://back-bone.io/en/blog/mahnung-oesterreich) - [Belgium](https://back-bone.io/en/blog/mahnung-belgien) - [Bulgaria](https://back-bone.io/en/blog/mahnung-bulgarien) - [Croatia](https://back-bone.io/en/blog/mahnung-kroatien) - [Cyprus](https://back-bone.io/en/blog/mahnung-zypern) - [Czechia](https://back-bone.io/en/blog/mahnung-tschechien) - [Denmark](https://back-bone.io/en/blog/mahnung-daenemark) - [Estonia](https://back-bone.io/en/blog/mahnung-estland) - [Finland](https://back-bone.io/en/blog/mahnung-finnland) - [France](https://back-bone.io/en/blog/mahnung-frankreich) - [Germany](https://back-bone.io/en/blog/mahnung-deutschland) - [Greece](https://back-bone.io/en/blog/mahnung-griechenland) - [Hungary](https://back-bone.io/en/blog/mahnung-ungarn) - [Ireland](https://back-bone.io/en/blog/mahnung-irland) - [Italy](https://back-bone.io/en/blog/mahnung-italien) - [Latvia](https://back-bone.io/en/blog/mahnung-lettland) - [Lithuania](https://back-bone.io/en/blog/mahnung-litauen) - [Luxembourg](https://back-bone.io/en/blog/mahnung-luxemburg) - [Malta](https://back-bone.io/en/blog/mahnung-malta) - [Netherlands](https://back-bone.io/en/blog/mahnung-niederlande) - [Poland](https://back-bone.io/en/blog/mahnung-polen) - [Portugal](https://back-bone.io/en/blog/mahnung-portugal) - [Romania](https://back-bone.io/en/blog/mahnung-rumaenien) - [Slovakia](https://back-bone.io/en/blog/mahnung-slowakei) - [Slovenia](https://back-bone.io/en/blog/mahnung-slowenien) - [Spain](https://back-bone.io/en/blog/mahnung-spanien) - [Sweden](https://back-bone.io/en/blog/mahnung-schweden) *Europe (outside the EU)* - [Albania](https://back-bone.io/en/blog/mahnung-albanien) - [Bosnia and Herzegovina](https://back-bone.io/en/blog/mahnung-bosnien-und-herzegowina) - [Iceland](https://back-bone.io/en/blog/mahnung-island) - [Kosovo](https://back-bone.io/en/blog/mahnung-kosovo) - [Liechtenstein](https://back-bone.io/en/blog/mahnung-liechtenstein) - [Moldova](https://back-bone.io/en/blog/mahnung-moldau) - [Montenegro](https://back-bone.io/en/blog/mahnung-montenegro) - [North Macedonia](https://back-bone.io/en/blog/mahnung-nordmazedonien) - [Norway](https://back-bone.io/en/blog/mahnung-norwegen) - [Serbia](https://back-bone.io/en/blog/mahnung-serbien) - [Switzerland](https://back-bone.io/en/blog/mahnung-schweiz) - [Turkey](https://back-bone.io/en/blog/mahnung-tuerkei) - [Ukraine](https://back-bone.io/en/blog/mahnung-ukraine) - [United Kingdom](https://back-bone.io/en/blog/mahnung-grossbritannien) *Other countries* - [United Arab Emirates](https://back-bone.io/en/blog/mahnung-vereinigte-arabische-emirate) - [United States](https://back-bone.io/en/blog/mahnung-usa) - [Rest of the world](https://back-bone.io/en/blog/mahnung-rest-der-welt) ## 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](https://back-bone.io/en/tools/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** *Germany* ```text 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 / SEK] [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] Your VAT ID: SE[999999999999] VAT: reverse charge (services), VAT to be accounted for by the recipient Kind regards, [your name] ``` *Austria* ```text 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 / SEK] [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] Your VAT ID: SE[999999999999] VAT: reverse charge (services), VAT to be accounted for by the recipient Kind regards, [your name] ``` **Stage 2: Second reminder** *Germany* ```text Subject: Second reminder — invoice [number], now overdue Dear [Mr/Ms surname], Despite our reminder of [date], invoice [number] of [invoice date] for [EUR / SEK] [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] ``` *Austria* ```text Subject: Second reminder — invoice [number], now overdue Dear [Mr/Ms surname], Despite our reminder of [date], invoice [number] of [invoice date] for [EUR / SEK] [amount] remains unpaid. The payment is now [x] days overdue. Please settle the outstanding amount by [new date]. Under our terms and Austrian law (§ 456 and § 458 UGB), default interest of 10.73% 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** *Germany* ```text Subject: Final notice — invoice [number] Dear [Mr/Ms surname], Invoice [number] of [invoice date] for [EUR / SEK] [amount] is still outstanding despite two reminders, most recently on [date]. Outstanding amount: [EUR / SEK] [amount] Default interest ([x] days at 10.52%): [EUR / SEK] [interest] Flat fee for recovery costs: EUR 40.00 Total now due: [EUR / SEK] [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] ``` *Austria* ```text Subject: Final notice — invoice [number] Dear [Mr/Ms surname], Invoice [number] of [invoice date] for [EUR / SEK] [amount] is still outstanding despite two reminders, most recently on [date]. Outstanding amount: [EUR / SEK] [amount] Default interest ([x] days at 10.73%): [EUR / SEK] [interest] Flat fee for recovery costs: EUR 40.00 Total now due: [EUR / SEK] [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 Sweden - **30 days at most.** In Sweden, an invoice between businesses is due no later than 30 days after the payment request. A later date only applies if you expressly agreed to it. So 30 days on your invoice is completely normal there. - **Kronor or euros.** Sweden pays in kronor (SEK). If you agreed on euros, the money arrives by SEPA transfer with no conversion. With kronor, your bank converts the amount, and the rate and fees decide how much reaches you. - **VAT ID starting with SE.** The Swedish number is SE plus twelve digits: the ten-digit company registration number followed by 01. With the reverse-charge note in the reminder, your client's accounts team finds the invoice at once. - **First names and plain words.** Swedish business is informal, and first names are the norm. "Dear [first name]" often fits better than Mr or Ms. Factual and friendly gets further than a sharp tone. - **Summer starts at Midsummer.** From Midsummer at the end of June into August, many Swedish companies are on holiday, and July is holiday time almost everywhere. If the deadline falls in those weeks, send the reminder earlier. > 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! ## 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. 2. **Who's overdue?** One question, every open invoice. 3. **Send the reminder** You approve. Only then does it go out. ## Frequently asked questions ### Can I send a client in Sweden a payment reminder in English? Yes. English is a given in Swedish business. What matters is that the reminder is clear: invoice number, amount, deadline and bank details. ### 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. ### What payment terms are allowed in Sweden? At most 30 days after the payment request. A later date only applies if you expressly agreed to it. ### Should I send the reminder in euros or kronor? In the currency of your invoice. Euros save you the conversion and the exchange-rate risk, and your client pays by SEPA transfer. --- 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. Checked on 18/10/2026 Sources: [Räntelag (1975:635), § 2 a](https://data.riksdagen.se/dokument/sfs-1975-635.text) · [§ 288 BGB](https://www.gesetze-im-internet.de/bgb/__288.html) · [§ 456 and § 458 UGB](https://www.ris.bka.gv.at/NormDokument.wxe?Abfrage=Bundesnormen&Gesetzesnummer=10001702&Paragraf=456) · Deutsche Bundesbank (base rate) · OeNB (base rate) · [Directive 2011/7/EU](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32011L0007)