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Payment reminder, first or final dunning notice: enter your invoice data, copy or print the finished letter — including automatically calculated default interest and the €40 flat fee.
An effective German dunning letter needs: unambiguous identification of the claim (invoice number, date, amount), a clear demand for payment with a deadline, and reference to the default. From the start of default you may add statutory interest (§288 BGB) and the €40 flat fee (B2B) — this generator calculates both automatically. Note: the letter is generated in German, as it is a German legal instrument.
The letter is generated as a formal German business letter. Default interest is calculated to the day using the current Bundesbank base rate. No warranty — not legal advice.
Fill in invoice number, amount and dates on the left — the finished letter appears here instantly.
A widespread myth: you must send three dunning notices. Wrong — legally one is enough (or none at all if a calendar payment date was agreed). Escalating in stages is still good practice because it preserves customer relationships:
Friendly, no pressure — assumes an oversight. Legally, even a friendly reminder already qualifies as a dunning notice under §286 BGB. Typical: 7–14 days new deadline.
Firm and specific: name the default, quantify default interest and (for B2B) the €40 flat fee, set a clear deadline. The total claim should be itemized by now.
Last deadline with stated consequences: court dunning procedure or debt collection, costs borne by the debtor. After this, act — further notices weaken your position.
To see exactly how high your default interest is, use our late payment interest calculator →
No — that is a myth. Legally, a single notice puts the debtor in default (§286 BGB). If a calendar payment date was agreed, or 30 days have passed since due date and receipt of the invoice, no notice is needed at all. The three-stage practice is goodwill, not obligation.
Unambiguous identification of the claim (invoice number, invoice date, amount), a clear demand for payment, a new deadline and your sender details. From default onwards, itemized default interest and, for B2B, the €40 flat fee — exactly what this generator produces.
7 to 14 days is customary and appropriate. The deadline must realistically allow the debtor to pay. For the final notice, shorter deadlines (e.g. 7 days) are defensible since the debtor is already in default.
Yes, from the start of default: statutory interest per §288 BGB (currently 6.52% towards consumers, 10.52% between businesses) and, for B2B transactions, the €40 flat fee per §288 (5) BGB — no proof of damage required. The generator calculates interest to the day using the Bundesbank base-rate history.
Follow through: court dunning procedure (Mahnbescheid, filed online, costs ultimately borne by the debtor) or handover to a debt collection agency or lawyer. Sending more notices after the “final” one weakens your position.
No — an oral reminder or e-mail is legally effective. For evidence, however, you should dun in writing (e-mail or letter) and be able to document receipt; registered mail is advisable for the final notice.
cashwerk handles the entire dunning process: configurable escalation levels, automatic dispatch by e-mail or PDF, legally accurate default interest per §247 BGB — and you always see which claims are open.