you want to speak with your bank?

with smart ebics client you can!

EBICS 2.5 PHP Client

SEPA Direct Debit

SEPA Credit Transfer

Balance and Bankstatements

PHP Class Features

tested with PHP 5.3, 5.4, 5.6, 7.1, 7.2

licensed limited Version with ION Cube Binary

unlimited sourcecode Version for Integrators

EBICS API Features

HTTP API TLS secured

low monthly fee

unlimited Version for professionall use


PHP class, easy to integrate

SEPA debitnote/transfer

Bankstatements / CAMT / MT940


Limited max. 1 Bank and User

unlimited developer Version

API Limited max. 1 Bank and User

API unlimited Version


Ticket System

Live Chat

E-Mail Support

Include Class:

$data_path = getcwd(). "/.ebics_client_data/";
$work_dir = getcwd();

ini_set('display_errors', 1);
set_include_path(get_include_path().PATH_SEPARATOR .$work_dir."/phpseclib");



Examples - EBICS Initialization:

1. What this software does

This software is intended to be used as a class for programming EBICS clients written in
PHP. With this software you can upload or download data from EBICS servers (normally hosted
at a datacenter owned or managed by a bank).

2. Requirements


- php5-curl php5-gmp php5-mcrypt openssl php5-xmlrpc php-pear

- run in isolated vm and connect your app via vpn tunnel

3. Tested bank institutes

This client has been tested with.

- Sparkasse 
- Volks + Raiffeisenbank
- Commerzbank
- Postbank
- Deutsche Bank

3. Setup a user

How EBICS Initialization works:

1. The customer (you) requests an EBICS account from your bank and recieve User ID, Partner ID, EBICS Host ID,
EBICS URL and the fingerprints of the public keys of the bank.

2. with this code you create your encryption keys and submit them to the bank:

$ebics = new ebics_client($user_id,$partner_id,$host_id,$host_url,$data_dir);
$ebics->initUser(); // creates a005,x002 and e002 keys...

$request = $ebics->INI_request();
$result = $ebics->send_request($request);

$request = $ebics->HIA_request();
$result = $ebics->send_request($request);

$letter = $ebics->getINIHIA_letter();

echo $letter;

3. INI + HIA Letter must be printed and signed and sent back to the bank to activate the EBICS account. After the
bank has activated the account continue with step 4.

4. Get the banks public keys with this call:

$ebics = new ebics_client($user_id,$partner_id,$host_id,$host_url,$data_dir);

$result = $ebics->HPB_request();
$result = $ebics->send_request($result);
$parsed = $ebics->parse_response($result,"HPB");

5. EBICS successfully initialized.

SEPA Lastschrift:

$creditor = array("initiator_name" => "Smart Weblications GmbH",
					"id" => "DE52ZZZ00000012516",
					"bic" => "BYLADEM1HOF",
					"iban" => "DE44780500000220626666",

$debitor = array("debitor_name" => "Florian Wiessner",
				"id" => "00001337",
				"bic" => "BYLADEM1HOF",
				"iban" => "DE95780500000220696666",
				"verwendungszweck" => "Test SEPA Lastschrift",
				"refnum" => date("YmdHis"),
				"amount" => 23.42,
				"mandate_date_of_sig" => "2011-10-01",
				"payment_id" => "00001337"


$sepa = new sepa;
$sepa->add_debitnote($debitor, $creditor,true);
$sepa_cdd = $sepa->getXML("debitnote",$creditor);

$dom = new DOMDocument('1.0','UTF-8');
$sepa_cdd = preg_replace("/\r|\n/"," ",$dom->C14N());
$sepa_cdd = preg_replace("/\s+/", " ", $sepa_cdd);

$result = $ebics->Upload_init_request("CDD",$sepa_cdd);

print $result;

SEPA Transfer:

$from = array("initiator_name" => "Smart Weblications GmbH",
					"id" => "DE52ZZZ00000012516",
					"bic" => "BYLADEM1HOF",
					"iban" => "DE44780500000220626666",

$to = array("name" => "Max Mustermann",
				"bic" => "BYLADEM1HOF",
				"iban" => "DE26244444334444833333",
				"verwendungszweck" => "SEPA Ueberweisung",
				"ref-nummer" => date("YmdHis"),
				"amount" => "23.42"


$sepa = new sepa;
$sepa_transfer = $sepa->getXML("transfer",$from);

$dom = new DOMDocument('1.0','UTF-8');
$sepa_transfer = preg_replace("/\r\n/"," ",$dom->C14N());
$sepa_transfer = preg_replace("/\s+/", " ", $sepa_transfer);

$result = $ebics->Upload_init_request("CCT",$sepa_transfer);

print $result;

Bankstatements / Balance:

$Auftrag = "STA"; // STA, PTK, C53, C54
if (isset($_GET["start"])) { $start = $_GET["start"]; } else { $start = date("Y-m-d",mktime(0,0,0,date("m"),date("d")-7,date("Y"))); } 
if (isset($_GET["end"])) { $end = $_GET["end"]; } else { $end = date("Y-m-d"); } 

$result = $ebics->ebics_request($Auftrag, $start, $end );
$result = $ebics->send_request($result);
$result = $ebics->parse_response($result,$Auftrag);
print $result;



news and updates

26.01.2016 - Florian Wiessner

smart ebics online!

Hello User,

on these pages you will find everything related to our PHP EBICS client. If you have any further questions, wirte us an email or contact us through our livechat.

We will keep you updated on this page for any further updates or news regarding EBICS.

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