phdevutils/banks

Philippine bank & e-money registry with SWIFT/BIC codes and InstaPay/PESONet participation flags. Sourced from BSP/PCHC/BancNet/PDIC. Zero-dependency lookup helpers.

v0.1.0 2026-06-01 08:35 UTC

Requires

• php: >=8.1

Requires (Dev)

• phpunit/phpunit: ^10.0

MIT

• swift
• Bank
• BIC
• bsp
• philippines
• Maya
• fintech
• gcash
• filipino
• instapay
• pesonet

README

Philippine bank & e-money registry for PHP — SWIFT/BIC codes plus InstaPay / PESONet participation flags for universal & commercial banks (incl. foreign branches), thrift & rural banks, digital banks, and e-wallets (GCash, Maya, GrabPay, ShopeePay…). PHP companion to the npm package @ph-dev-utils/banks.

composer require phdevutils/banks

Quick start

use PhDevUtils\Banks\Banks;

Banks::findBank('BDO');            // ['name' => 'BDO Unibank, Inc.', 'shortName' => 'BDO', 'swift' => 'BNORPHMM', ...]
Banks::findBank('metrobank')['swift'];        // 'MBTCPHMM'
Banks::findBySwift('UBPHPHMMXXX')['shortName']; // 'UnionBank' (11-char input → 8-char head-office BIC)

Banks::listBanks(['type' => 'ewallet']);       // GCash, Maya, GrabPay, ShopeePay, ...
Banks::listBanks(['instapay' => true]);        // InstaPay participants
Banks::listBanks(['type' => 'universal_commercial', 'foreign' => false]); // domestic U/KBs

Banks::validateBIC('BNORPHMM');    // true
Banks::validateBIC('CITIPHMXV');   // false (9 chars — malformed)
Banks::parseBIC('BOPIPHMM');       // ['institution' => 'BOPI', 'country' => 'PH', 'location' => 'MM', 'branch' => null]

API

Method	Returns
Banks::listBanks($filter = [])	array of banks — filter by type / instapay / pesonet / foreign / hasSwift
Banks::findBank($query)	bank array or null — by SWIFT, exact/partial name, or short name
Banks::findBySwift($code)	bank array or null — by head-office BIC (8- or 11-char input)
Banks::validateBIC($code)	bool — ISO 9362 format (8 or 11 chars), case-insensitive
Banks::parseBIC($code)	array{institution,country,location,branch} or null
Banks::participationAsOf()	string — the BSP lists' as-of date (YYYY-MM-DD)

Each bank array: name, shortName, type (universal_commercial/thrift/rural/digital/ewallet), foreign (bool), swift (string|null), swiftConfidence (verified/single-source/null), instapay (bool), instapayReceiverOnly (bool), pesonet (bool).

Data & disclaimer

• InstaPay / PESONet flags come from the BSP-published ACH participant lists (BancNet & Philippine Clearing House Corporation) and reflect the as-of date — participation changes over time.
• SWIFT/BIC codes are head-office codes compiled from public directories. Always confirm the exact code with the bank or recipient before initiating a wire transfer. swiftConfidence is verified (2+ public directories agree) or single-source.

Not affiliated with BSP, PDIC, PCHC, BancNet, or SWIFT.

License

MIT.