1. The postscript filled in when transferring money also has legal effect, because the postscript plays a role in explaining the transaction type. The content of the postscript will be displayed in the transaction details of the bank card, and the content of the postscript can be inquired through the counters of Bank of China, Mobile Banking and Bank of China. To be on the safe side, it's best to write another IOU or collect other evidence to prove the nature of the loan.

2. Legal basis: Article 674th of the Civil Code of People's Republic of China (PRC).

The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 675

The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Second, what is the legal function of the bank transfer postscript?

The legal function of bank transfer postscript is online bank transfer, and the postscript filled in when transferring money also has legal effect, because the postscript plays a role in explaining the transaction type. A civil juristic act is an act in which a civil subject establishes, changes and terminates a civil juristic relationship by expressing his will. A civil juristic act can be established unanimously or unilaterally based on the will of two or more parties.