data
014a943f78
- HKEKA v3/v4/v5 Segmente fuer phpFinTS implementiert (VR Bank unterstuetzt kein HKEKP) - GetElectronicStatement Action mit Base64-Erkennung und Quittungscode - PDF-Deduplizierung per MD5 (Bank sendet identische Saldenmitteilungen) - Saldenmitteilungen ohne Auszugsnummer werden uebersprungen - Datums-Validierung: 30.02. (Bank-Konvention) wird auf 28.02. korrigiert - Numerische Sortierung fuer statement_number (CAST statt String-Sort) - Jahr-Filter: statement_year=0 ausgeschlossen - Menue/Button: "Kontoauszuege" -> "Umsaetze" (statements.php zeigt MT940, nicht PDFs) - Redirect nach FinTS-Abruf auf aktuelles Jahr statt year=0 Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>
89 lines
3.7 KiB
Markdown
Executable file
89 lines
3.7 KiB
Markdown
Executable file
# PHP FinTS/HBCI library
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[](https://travis-ci.org/nemiah/phpFinTS)
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A PHP library implementing the following functions of the FinTS/HBCI protocol:
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* Get accounts
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* Get balance
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* Get transactions
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* Execute direct debit
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* Execute transfer
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* Note that any other functions mentioned in
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[section C of the specification](https://www.hbci-zka.de/dokumente/spezifikation_deutsch/fintsv3/FinTS_3.0_Messages_Geschaeftsvorfaelle_2015-08-07_final_version.pdf)
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should be relatively straightfoward to implement.
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Forked from [mschindler83/fints-hbci-php](https://github.com/mschindler83/fints-hbci-php), but then mostly reimplemented.
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## Getting Started
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Before using this library (or any other FinTS library), you have to register your application with
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[Die Deutsche Kreditwirtschaft](https://www.hbci-zka.de/register/hersteller.htm) in order to get your registration
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number.
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Note that this process can take several weeks.
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First you receive your registration number **after a couple days, but then you have to wait anywhere between 0 and 8+ weeks**
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for the registration to reach your bank's server. If you have multiple banks, it probably reaches them at different times.
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Then install the library via composer:
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```
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composer require nemiah/php-fints
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```
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See the examples in the "[Samples](/Samples)" folder to get started on your code.
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Fill out the required configuration in `init.php` (server details can be obtained at
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[www.hbci-zka.de](https://www.hbci-zka.de) after registration).
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Then execute `tanModesAndMedia.php` and later `login.php`.
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Once you are able to login without any issues, you can move on to the other examples.
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## Banks with special needs
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If you are developing an online banking application with this library, please be aware of the following exceptions:
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### Hypovereinsbank
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The BLZ 71120078 will throw an "Unbekanntes Kreditinstitut" exception when used with the URL https://hbci-01.hypovereinsbank.de/bank/hbci.
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You have to use BLZ 70020270 instead.
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```
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if (trim($url) == 'https://hbci-01.hypovereinsbank.de/bank/hbci')
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$blz = '70020270';
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```
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### ING Diba
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This bank does not support PSD2:
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```
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if(trim($blz) == "50010517")
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$fints->selectTanMode(new Fhp\Model\NoPsd2TanMode());
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```
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## Contribute
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Contributions are welcome! See the [developer guide](DEVELOPER-GUIDE.md) for some background information.
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We use a slightly modified version of the [Symfony Coding-Style](https://symfony.com/doc/current/contributing/code/standards.html).
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Please run
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```
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composer update
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```
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and
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```
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composer cs-fix
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```
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before sending a PR.
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### Bank compatibility
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Different banks implement different versions of the HBCI and FinTS specifications, and they also interpret the
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specification differently sometimes. In addition, banks behave differently (within the boundaries of the specification)
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when it comes to validation (some may tolerate slightly wrong requests), TANs (some ask for TANs more often than others)
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and allowed parameters (not all banks support all parameter combinations).
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This library aims to be compatible with all banks that support [FinTS V3.0](https://www.hbci-zka.de/spec/3_0.htm) and
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PIN/TAN-based authentication according to PSD2 regulations, which includes most relevant German banks. Currently, it
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works with the most popular banks at least, and probably with most others too. Some corner cases (e.g. Mehrfach-TANs or
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SMS-Abbuchungskonto for mTAN fees) are not and probably will not be supported.
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Those banks with a dedicated [integration test](/lib/Tests/Fhp/Integration) have been tested most extensively.
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If you encounter any problems with your particular bank, please check for open GitHub issues or open a new one.
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