What is an IOU?
An IOU is applied when there is not enough money on your Snapper to cover a fare or penalty.
You can incur an IOU on your Snapper when:
1. You don't have enough money on your Snapper when you tag off, or
2. You don't tag off and your Snapper is charged a penalty fare, or
3. You travel outside of the zones that your Snapper travel pass is valid for, and your Snapper is charged an extension fare
You will need to top up your Snapper after you incur an IOU so that you can use your Snapper on public transport again.
An IOU is removed from your Snapper (i.e. you pay it back) the next time you tag on.
If you use a travel pass it will not work until you have cleared the IOU.
See also How do I clear an IOU?