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

Customer Features

• Multi-account dashboard with per-account balances
• Open additional accounts (checking, savings, business…)
• Full transaction history with filters & pagination
• PDF receipts & downloadable statements
• Loan applications with repayment tracking

• Cheque book requests
• KYC document upload & verification flow
• Support ticket system
• In-app notifications & email alerts
• Profile settings + optional two-factor authentication (TOTP)

Admin Panel

• Dashboard: KPIs, pending queues, quick navigation
• User management: accounts, transactions, login activity, per-user feature restrictions (11 toggles)
• Approve/reject deposits, transfers, cards, loans, cheques, KYC
• Currencies & exchange-rate management
• Payment gateways: credentials, test/live modes, per-currency routing
• Services: enable/disable each banking service + pick its provider

• Fees, limits and financial settings
• Email templates & SMTP configuration
• Branding: logo, favicon, SEO meta, legal pages
• Branches & bank-details management
• Built-in backup service (database, files or full site)
• Factory reset with safety backup

Setup & Security

• Five-step web installer — requirements check, database import, admin creation, site config, done. No command line needed.
• Complete documentation included in both HTML and PDF
• Security: prepared statements everywhere, CSRF tokens on every form, bcrypt password hashing, login lockout, secure session cookies, MIME-checked uploads, protected backup/upload directories

Technology

• Backend: PHP 8, MySQLi with prepared statements — no framework, runs on any standard hosting (Apache/Nginx + MySQL)
• Frontend: Tailwind CSS, vanilla JavaScript, Font Awesome — fully responsive with dark mode
• Included libraries: PHPMailer (email), FPDF (receipts/statements), Google Authenticator-compatible TOTP (2FA)
• Requirements: PHP 8.0+, MySQL/MariaDB, mysqli + cURL extensions

What You Get

• Full source code — no obfuscation, no license servers, yours to customize
• Web installer + clean database schema (no demo user data or leftover secrets)
• Complete user & admin documentation (HTML + PDF)
• Free updates and support from Snipnet Technologies

Demo Credientials

ADMIN CREDIENTIALS

• URL: https://snipnet.africa/demo/phpbank/admin/login.php
• Email: [email protected]
• Password: test@123

USER CREDIENTIALS

• URL: https://snipnet.africa/demo/phpbank/
• Email: [email protected]
• Password: test@123

Details

• Price: $69.99
• Version: 1.0

View Product