diff --git a/server/api/members/[id]/send-dues-reminder.post.ts b/server/api/members/[id]/send-dues-reminder.post.ts
index 743b54e..eb43ec6 100644
--- a/server/api/members/[id]/send-dues-reminder.post.ts
+++ b/server/api/members/[id]/send-dues-reminder.post.ts
@@ -46,8 +46,8 @@ export default defineEventHandler(async (event) => {
     const memberName = member.FullName || `${member.first_name} ${member.last_name}`.trim() || 'Member';
     const nextDueDate = getNextDuesDate(member);
     const membershipFee = `€${registrationConfig.membershipFee}`;
-    const paymentIban = registrationConfig.iban;
-    const accountHolder = registrationConfig.accountHolder;
+    const paymentIban = registrationConfig.iban || '';
+    const accountHolder = registrationConfig.accountHolder || '';
     const portalUrl = `${process.env.NUXT_PUBLIC_DOMAIN || 'https://monacousa.org'}/dashboard`;
     const currentYear = new Date().getFullYear();
 
diff --git a/server/utils/email.ts b/server/utils/email.ts
index eb4c191..ca67c3c 100644
--- a/server/utils/email.ts
+++ b/server/utils/email.ts
@@ -513,3 +513,45 @@ export async function getEmailService(): Promise<EmailService> {
 export function createEmailService(config: SMTPConfig): EmailService {
   return new EmailService(config);
 }
+
+/**
+ * Generic send email function for custom templates
+ */
+export async function sendEmail(options: {
+  to: string;
+  subject: string;
+  template: string;
+  data: any;
+}): Promise<void> {
+  try {
+    const emailService = await getEmailService();
+    
+    // Get the template
+    const templateFunction = (emailService as any).getTemplate(options.template);
+    if (!templateFunction) {
+      throw new Error(`Email template '${options.template}' not found`);
+    }
+    
+    // Add common template data
+    const templateData = {
+      ...options.data,
+      logoUrl: options.data.logoUrl || 'https://portal.monacousa.org/MONACOUSA-Flags_376x376.png',
+      baseUrl: process.env.NUXT_PUBLIC_DOMAIN || 'https://portal.monacousa.org'
+    };
+    
+    // Compile template with data
+    const html = templateFunction(templateData);
+    
+    // Send email using the private sendEmail method
+    await (emailService as any).sendEmail({
+      to: options.to,
+      subject: options.subject,
+      html
+    });
+    
+    console.log(`[sendEmail] ✅ Email sent successfully to ${options.to} using template '${options.template}'`);
+  } catch (error) {
+    console.error(`[sendEmail] ❌ Failed to send email to ${options.to}:`, error);
+    throw error;
+  }
+}