1
: a paper that has on it the letters IOU, a stated sum, and a signature and that is given as an acknowledgment of debt
2

Examples of IOU in a Sentence

I don't have any cash, so I'll have to give you an IOU.
Recent Examples on the Web
Examples are automatically compiled from online sources to show current usage. Read More Opinions expressed in the examples do not represent those of Merriam-Webster or its editors. Send us feedback.
They will be delivered to those who preordered the dolls in January 2026, so Santa Claus may have to leave some IOU notes to fans across the country. Julia Gomez, USA Today, 11 Nov. 2025 Selling bonds—essentially issuing buyers an IOU, plus interest—is a quick way for a government to raise funds. Michael Waters, The Atlantic, 6 Nov. 2025 If the soldier buys $100 of groceries from a grocer and pays by check, the grocer receives 10% of a Fed IOU, which goes through the grocer’s bank. Hersh Shefrin, Forbes.com, 8 Sep. 2025 Since both Sling Blue and Sling Orange carry HGTV, either package works to catch weekly episodes of Celebrity IOU. Erin Lassner, HollywoodReporter, 3 Sep. 2019

Word History

Etymology

from the pronunciation of I owe you

First Known Use

1795, in the meaning defined at sense 1

Time Traveler
The first known use of IOU was in 1795

Browse Nearby Words

Cite this Entry

“IOU.” Merriam-Webster.com Dictionary, Merriam-Webster, https://www.merriam-webster.com/dictionary/IOU. Accessed 5 Jul. 2026.

Kids Definition

: a paper that has on it the letters IOU, a stated sum, and a signature and that is given to acknowledge a debt
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