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'IOU' is a 3-letter acronym that can mean:

★ A note and acknowledgment of personal debt (from the phrase '"I owe you"' or "I owe unto") that is generally limited to casual usage between acquaintances.

★ The currency of the micronation Lovely

★ A band that three members of Westlife were once in

★ The title of a song by the Canadian Indie Rock band Metric from the album Old World Underground, Where Are You Now?

★ Illuminati University, a campaign setting for the GURPS roleplaying game

★ Investor-Owned Utility

★ A cellular phone service provided by both Vodafone New Zealand and Vodafone Ireland. A customer can request an interim pay as you go credit of NZ$2 or €2 respectively, which is repaid when the credit is recharged.