PHP library to communicate with a bank through EBICS protocol.
PHP EBICS Client - https://ebics-api.github.io/ebics-client-php/
Supported EBICS versions: 2.4, 2.5, 3.0; Encryption versions: E002, X002, A005, A006; Switching EBICS T/TS

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💥 (Premium) EBICS API Client

EBICS API Client is a standalone microservice that wraps this library into a ready-to-deploy banking integration solution. Ideal for fintechs, ERPs, payment processors, and enterprises needing a robust EBICS integration without building and maintaining the client layer yourself.

Premium Features

• 🏦 Multiple Bank connections — Certificates, activation, keyring in a few clicks. Bank connections →
• 💸 Bank operations via simple form — Statements and payments without EBICS protocol plumbing. Bank operations →
• 📝 Payment builder — Create multi-order SEPA files in minutes, store and reuse them, send straight to the bank. Bank operations →
• ⏰ Automation that runs while you sleep — Scheduled jobs, webhooks, no missed statements. Scheduler jobs →
• 🚀 Live in minutes — Docker deployment or Installation scrip, no PHP expertise needed.
• 🧪 Test without a real bank — Dummy EBICS server for local development.
• 🤖 AI agents, connected — MCP server for Claude, Cursor, and more.
• 🛡 Priority support — Direct line to the dev team.

👉 Try the DEMO · Learn more · Watch the video

Already using the open-source library and need more? The Premium microservice is the natural next step — no rewrite, same protocol support, zero configuration debt.

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License

ebics-api/ebics-client-php is licensed under the MIT License, see the LICENSE file for details

Installation

$ composer require ebics-api/ebics-client-php

Initialize client

You will need to have this information from your Bank: HostID, HostURL, PartnerID, UserID

<?php
use EbicsApi\Ebics\Factories\KeyringFactory;
use EbicsApi\Ebics\Services\FileKeyringManager;
use EbicsApi\Ebics\Models\Bank;
use EbicsApi\Ebics\Models\User;
use EbicsApi\Ebics\EbicsClient;
use EbicsApi\Ebics\Models\X509\BankX509Generator;

// Prepare `workspace` dir in the __PATH_TO_WORKSPACES_DIR__ manually.
// "__EBICS_VERSION__" should have value "VERSION_30" for EBICS 3.0
$keyringPath = __PATH_TO_WORKSPACES_DIR__ . '/workspace/keyring.json';
$keyringManager = new FileKeyringManager();
if (is_file($keyringPath)) {
    $keyring = $keyringManager->loadKeyring($keyringPath, __PASSWORD__, __EBICS_VERSION__);
} else {
    $keyring = $keyringManager->createKeyring(__EBICS_VERSION__);
    $keyring->setPassword(__PASSWORD__);
}
$bank = new Bank(__HOST_ID__, __HOST_URL__);
// Use __IS_CERTIFIED__ true for EBICS 3.0 and/or French banks, otherwise use false.
if(__IS_CERTIFIED__) {
    $certificateGenerator = (new BankX509Generator());
    $certificateGenerator->setCertificateOptionsByBank($bank);
    $keyring->setCertificateGenerator($certificateGenerator);
}
$user = new User(__PARTNER_ID__, __USER_ID__);
$client = new EbicsClient($bank, $user, $keyring);
if (!is_file($keyringPath)) {
    $client->createUserSignatures();
    $keyringManager->saveKeyring($client->getKeyring(), $keyringPath);
}

Global process and interaction with Bank Department

1. Create and store your 3 keys and send initialization request.

<?php

use EbicsApi\Ebics\Contracts\EbicsResponseExceptionInterface;

/* @var \EbicsApi\Ebics\EbicsClient $client */

try {
    $client->executeStandardOrder(new \EbicsApi\Ebics\Orders\INI());
    /* @var \EbicsApi\Ebics\Services\FileKeyringManager $keyringManager */
    /* @var \EbicsApi\Ebics\Models\Keyring $keyring */
    $keyringManager->saveKeyring($keyring, $keyringPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "INI request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

try {
    $client->executeStandardOrder(new \EbicsApi\Ebics\Orders\HIA());
    $keyringManager->saveKeyring($keyring, $keyringPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "HIA request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

2. Generate a EBICS letter

/* @var \EbicsApi\Ebics\EbicsClient $client */
$ebicsBankLetter = new \EbicsApi\Ebics\EbicsBankLetter();

$bankLetter = $ebicsBankLetter->prepareBankLetter(
    $client->getBank(),
    $client->getUser(),
    $client->getKeyring()
);

$pdf = $ebicsBankLetter->formatBankLetter($bankLetter, $ebicsBankLetter->createPdfBankLetterFormatter());

3. Wait for the bank validation and access activation.

4. Fetch the bank keys.

try {
    /* @var \EbicsApi\Ebics\EbicsClient $client */
    $client->executeInitializationOrder(new \EbicsApi\Ebics\Orders\HPB());
    /* @var \EbicsApi\Ebics\Services\FileKeyringManager $keyringManager */
    /* @var \EbicsApi\Ebics\Models\Keyring $keyring */
    $keyringManager->saveKeyring($keyring, $keyringPath);
} catch (EbicsResponseExceptionInterface $exception) {
    echo sprintf(
        "HPB request failed. EBICS Error code : %s\nMessage : %s\nMeaning : %s",
        $exception->getResponseCode(),
        $exception->getMessage(),
        $exception->getMeaning()
    );
}

5. Play with other transactions!

Transaction	Description
HEV	Download supported protocol versions for the Bank.
INI	Send to the bank public signature of signature A005.
HIA	Send to the bank public signatures of authentication (X002) and encryption (E002).
H3K	Send to the bank public signatures of signature (A005), authentication (X002) and encryption (E002).
HCS	Upload for renewing user certificates.
HPB	Download the Bank public signatures authentication (X002) and encryption (E002).
SPR	Suspend activated keyring.
HPD	Download the bank server parameters.
HKD	Download customer's customer and subscriber information.
HTD	Download subscriber's customer and subscriber information.
HAA	Download Bank available order types.
PTK	Download transaction status (Plain text).
HAC	Download transaction status (XML).
FDL	Download the files from the bank.
FUL	Upload the files to the bank.
BTD	Download request files of any BTF structure.
BTU	Upload the files to the bank.

If you need to parse Cfonb 120, 240, 360 use ebics-api/cfonb-php
If you need to parse MT942 use ebics-api/mt942-php