PHPBank

PHPBank — Multi-Currency Online Banking Platform

A production-ready, self-hosted banking application you can deploy and brand as your own.

PHPBank is a full-featured online banking system written in native PHP 8 with MySQL/MariaDB. It gives your customers a polished digital banking experience — multi-currency accounts, money transfers, card deposits, crypto funding, debit card requests, loans, statements and support — and gives you, the operator, a complete admin panel to run the entire business: currencies, exchange rates, payment providers, approvals, user restrictions, content, backups and more.

It ships with a five-step web installer, full HTML + PDF documentation, dark-mode responsive design throughout, and a security-hardened codebase (prepared statements, CSRF protection, 2FA, transfer PINs, upload sandboxing).

Multi-Currency Core

• Customers hold separate balances in multiple currencies (10 seeded: USD, EUR, GBP, JPY, CAD, AUD, CHF, NGN, INR, CNY — add any more from admin)
• Admin-managed currencies: exchange rates, symbols, base currency, enable/disable
• Automatic currency conversion on cross-currency transfers

Money Transfers

• Three transfer rails: same-bank, domestic (other local banks) and international wire — each independently configurable
• Per-currency transfer forms: account number, routing number, IBAN or bank-list selection, with account-name lookup
• Saved beneficiaries for repeat transfers
• Transfer PIN confirmation, configurable fees, and automatic or manual-review processing per rail
• Provider-routed payouts through your configured gateways

Deposits & Card Issuing

• Four deposit methods: bank transfer, card, Bitcoin and USDT (TRC-20)
• Card gateways: Stripe, Flutterwave, Paystack, Kora — with inline checkout, per-currency routing and test/live modes
• Crypto deposits via CoinRemitter
• Virtual & physical debit card issuing via Stripe, Flutterwave, Kora, Lithic, Bridgecard or UfitPay — provider freeze/unfreeze, balances and transaction sync