PHPBank – Multi-Currency Online Banking Platform

PHPBank is a self-hosted online banking application built with PHP 8 and MySQL/MariaDB. It provides a multi-currency banking interface for customers and an administration panel for managing banking services, transactions, payment providers and financial settings.

Customers can manage multiple currency accounts, transfer funds, make deposits, request debit cards, apply for loans, download statements and contact support. Administrators can manage currencies, exchange rates, payment gateways, approvals, user restrictions, fees, limits and site settings.

The platform includes a five-step web installer, responsive interface with dark mode, and HTML and PDF documentation.

Important: PHPBank is banking software, not a bank licence or a financial institution. Operating a real-money banking service requires appropriate regulatory approvals, banking/payment partners, provider agreements and compliance processes. Verify these independently before handling customer funds.

• Multi-currency accounts: Separate customer balances in USD, EUR, GBP, JPY, CAD, AUD, CHF, NGN, INR and CNY, with support for adding more currencies.

• Currency management: Configure exchange rates, symbols, base currency and currency availability.

• Money transfers: Support same-bank, domestic and international transfer workflows.

• Transfer controls: Beneficiaries, transfer PIN confirmation, configurable fees and automatic or manual review.

• Multiple deposit methods: Bank transfer, card, Bitcoin and USDT (TRC-20).

• Payment gateway integrations: Stripe, Flutterwave, Paystack, Kora and CoinRemitter, depending on the configured payment method.

• Debit card services: Virtual and physical card issuing through supported providers, including card balance and transaction synchronisation.

• Customer dashboard: Multiple accounts, balances and transaction history.

• Banking services: Checking, savings and business account options, loan applications and repayment tracking.

• Statements and receipts: Downloadable PDF statements and transaction receipts.

• Additional customer services: Cheque book requests, KYC document submission, support tickets and notifications.

• Admin dashboard: Manage customers, transactions, deposits, transfers, cards, loans and verification requests.

• Financial configuration: Manage currencies, exchange rates, fees, limits and payment providers.

• User restrictions: Configure individual customer feature permissions.

• Website management: Branding, email templates, SMTP, SEO metadata, legal pages and bank details.

• Backup tools: Database, file and full-site backups, plus factory reset with a safety backup.

• Responsive interface: Tailwind CSS frontend with dark-mode support.

• PHP 8.0 or later.

• MySQL or MariaDB database.

• PHP MySQLi extension.

• PHP cURL extension.

• Apache or Nginx web server.

• Hosting with permission to write to the includes/ and uploads/ directories.

• HTTPS-enabled domain recommended for a live deployment.

• SMTP credentials for sending email notifications.

• Payment gateway credentials for the payment methods you intend to enable.

• Supported banking, card-issuing and cryptocurrency provider accounts for the relevant services.

• Configured currency exchange rates, fees and financial settings.

Installation: Upload the project files and use the included five-step web installer, or follow the manual installation instructions and import install/schema.sql. After installation, remove or rename the install/ directory and complete the post-install configuration.