Bank Mails Parser

A professional PHP library for processing bank confirmation emails from Slovak and Czech banks. Extract transaction details, account numbers, amounts, and symbols automatically from bank notification emails.

🏦 Supported Banks

Bank	Country	Parsers	Email Formats	Features
TatraBanka	🇸🇰 Slovakia	3 parsers	Plain text, ComfortPay, PGP encrypted	Multi-format support, PGP decryption
ČSOB CZ	🇨🇿 Czech Republic	1 parser	Multi-transaction HTML	Batch processing
ČSOB SK	🇸🇰 Slovakia	1 parser	Multi-transaction HTML	Batch processing
VUB	🇸🇰 Slovakia	1 parser	Plain text	Simple format

✨ Features

• 📧 Multiple email formats: Plain text, HTML, PGP encrypted
• 💰 Financial data extraction: Amounts, currencies, account numbers
• 🔢 Banking symbols: Variable Symbol (VS), Constant Symbol (KS), Specific Symbol (SS)
• 🔐 PGP decryption: Handle encrypted bank statements
• 🔄 Multi-transaction support: Process emails with multiple payments
• 🛡️ Type safety: Full PHP 8.2+ strict typing
• ✅ Well tested: 95%+ code coverage with comprehensive test suite

📋 Requirements

• PHP 8.2+ (PHP 8.3, 8.4 recommended)
• Composer for installation

⚡ Quick Start

Installation

composer require tomaj/bank-mails-parser

Upgrading from 3.x? See the 4.0 Upgrade Guide for breaking changes and migration steps.

Basic Usage

<?php
use Tomaj\BankMailsParser\Parser\TatraBanka\TatraBankaMailParser;

// Initialize parser
$parser = new TatraBankaMailParser();

// Parse bank email content
$mailContent = $parser->parse($emailBodyContent);

// Extract transaction details
if ($mailContent) {
    echo "Amount: " . $mailContent->getAmount() . " " . $mailContent->getCurrency() . "\n";
    echo "Variable Symbol: " . $mailContent->getVs() . "\n";
    echo "Account: " . $mailContent->getAccountNumber() . "\n";
}

📊 Compatibility Matrix

PHP Version	Library Version	Status
8.4	4.0+	✅ Fully supported
8.3	4.0+	✅ Fully supported
8.2	4.0+	✅ Fully supported
8.1	3.0 only	⚠️ Legacy support
7.4	3.0 only	⚠️ Legacy support

📧 Email Format Examples

TatraBanka Plain Text Format

Váš zostatok po transakcii je 1234.56 EUR
Suma: 50.00 EUR
VS: 1234567890
KS: 0308
SS: 123

ČSOB Multi-transaction HTML

<tr>
  <td>15.12.2023</td>
  <td>+1,234.50 CZK</td>
  <td>CZ1234567890</td>
  <td>VS: 987654321</td>
</tr>

VUB Plain Text Format

Dtum: 11.12.2019
Suma: 34,90
Z tu: SK4502000000001123100000
VS: 9911929700
KS: 0308

📖 Detailed Usage

TatraBanka parsers

Basic usage with TatraBanka parser:

use Tomaj\BankMailsParser\Parser\TatraBanka\TatraBankaMailParser;

$tatraBankaMailParser = new TatraBankaMailParser();
$mailContent = $tatraBankaMailParser->parse('mail content');

echo $mailContent->getKs() . "\n";
echo $mailContent->getSs() . "\n";
echo $mailContent->getVs() . "\n";
echo $mailContent->getReceiverMessage() . "\n";
echo $mailContent->getDescription() . "\n";
echo $mailContent->getCurrency() . "\n";
echo $mailContent->getTransactionDate() . "\n";
echo $mailContent->getAccountNumber() . "\n";
echo $mailContent->getAmount() . "\n";
echo $mailContent->getAccountNumber() . "\n";
echo $mailContent->getTxn() . "\n";

With TatraBankaSimpleMailParser you can parse comforpay emails. There are other getters like CID for reccurent payments.

echo $mailContent->getCid() . "\n";
echo $mailContent->getSign() . "\n";
echo $mailContent->getRes() . "\n";

With TatraBankaStatementMailParser you can parse encrypted PGP emails containing payment statements:

use Tomaj\BankMailsParser\Parser\TatraBanka\TatraBankaStatementMailParser;
use Tomaj\BankMailsParser\Parser\TatraBanka\TatraBankaMailDecryptor;

$decryptor = new TatraBankaMailDecryptor('/path/to/private-key.asc', 'passphrase');
$parser = new TatraBankaStatementMailParser($decryptor);
$mailContents = $parser->parseMulti('encrypted mail content');

foreach ($mailContents as $mailContent) {
    echo $mailContent->getVs() . "\n";
    echo $mailContent->getAmount() . "\n";
    echo $mailContent->getCurrency() . "\n";
}

ČSOB parsers

For Czech ČSOB emails:

use Tomaj\BankMailsParser\Parser\Csob\CsobMailParser;

$csobMailParser = new CsobMailParser();
$mailContents = $csobMailParser->parseMulti('mail content');

foreach ($mailContents as $mailContent) {
    echo $mailContent->getVs() . "\n";
    echo $mailContent->getKs() . "\n";
    echo $mailContent->getAmount() . "\n";
    echo $mailContent->getCurrency() . "\n";
    echo $mailContent->getAccountNumber() . "\n";
    echo $mailContent->getSourceAccountNumber() . "\n";
}

For Slovak ČSOB emails:

use Tomaj\BankMailsParser\Parser\Csob\SkCsobMailParser;

$skCsobMailParser = new SkCsobMailParser();
$mailContents = $skCsobMailParser->parseMulti('mail content');

foreach ($mailContents as $mailContent) {
    echo $mailContent->getVs() . "\n";
    echo $mailContent->getKs() . "\n";
    echo $mailContent->getAmount() . "\n";
    echo $mailContent->getCurrency() . "\n";
    echo $mailContent->getAccountNumber() . "\n";
}

VUB parser

For VUB bank emails:

use Tomaj\BankMailsParser\Parser\Vub\VubMailParser;

$vubMailParser = new VubMailParser();
$mailContent = $vubMailParser->parse('mail content');

echo $mailContent->getVs() . "\n";
echo $mailContent->getKs() . "\n";
echo $mailContent->getAmount() . "\n";
echo $mailContent->getAccountNumber() . "\n";
echo $mailContent->getTransactionDate() . "\n";

🔍 MailContent API

The MailContent object provides access to all extracted transaction data:

Core Methods

// Financial data
$mailContent->getAmount(): ?float           // Transaction amount
$mailContent->getCurrency(): ?string        // Currency code (EUR, CZK, etc.)
$mailContent->getTransactionDate(): ?int    // Unix timestamp of transaction

// Account information  
$mailContent->getAccountNumber(): ?string        // Destination account
$mailContent->getSourceAccountNumber(): ?string  // Source account (if available)

// Banking symbols
$mailContent->getVs(): ?string              // Variable Symbol
$mailContent->getKs(): ?string              // Constant Symbol  
$mailContent->getSs(): ?string              // Specific Symbol

// Additional data
$mailContent->getReceiverMessage(): ?string // Payment message
$mailContent->getDescription(): ?string     // Transaction description
$mailContent->getTxn(): ?string            // Transaction ID

TatraBanka-specific Methods

$mailContent->getCid(): ?string             // ComfortPay Client ID
$mailContent->getSign(): ?string            // HMAC signature
$mailContent->getRes(): ?string             // Result code
$mailContent->getRc(): ?string              // Return code

⚠️ Error Handling

Parser Return Values

$parser = new TatraBankaMailParser();
$result = $parser->parse($emailContent);

if ($result === null) {
    // Email format not recognized or parsing failed
    echo "Unable to parse email content";
} else {
    // Successfully parsed - $result is MailContent object
    echo "Amount: " . ($result->getAmount() ?? 'N/A');
}

Common Error Scenarios

• Unknown email format: Parser returns null
• Partial data: Some MailContent getters may return null
• Invalid amounts: Non-numeric values are handled gracefully
• Date parsing failures: Invalid dates result in null timestamp

Validation Example

function validateTransaction(MailContent $content): bool {
    return $content->getAmount() !== null 
        && $content->getAmount() > 0
        && $content->getVs() !== null
        && strlen($content->getVs()) > 0;
}

📚 Migration Guides

Upgrade from 3.x to 4.x

⚠️ Breaking Changes:

• PHP 8.2+ required (dropped PHP 7.4, 8.0, 8.1 support)
• PHPUnit 11 for development (if extending library)

✅ Non-breaking Changes:

• All existing parser APIs remain unchanged
• Same method signatures and return types
• Improved test coverage and GitHub Pages reporting

# Update your composer.json
composer require tomaj/bank-mails-parser:^4.0

Upgrade from 2.x to 3.x

⚠️ Breaking Changes:

• PHP 7.4+ required (dropped PHP 7.1, 7.2, 7.3)
• ParserInterface changes: Returns ?MailContent instead of false
• Strict types: Added declare(strict_types=1) throughout codebase
• Namespace changes: TatraBanka parsers moved to \TatraBanka subfolder

Migration Steps:

// Before (v2.x)
if ($parser->parse($content) === false) {
    // Handle parsing failure
}

// After (v3.x)  
if ($parser->parse($content) === null) {
    // Handle parsing failure
}

Upgrade from 1.x to 2.x

⚠️ Breaking Changes:

• Parser now returns MailContent for both successful and failed bank responses
• In v1.x, parser returned MailContent only for successful transactions

💡 See full changelog: CHANGELOG.md

Usage with imap mail downlaoder

Example how to use with imap mail downloader:

use Tomaj\ImapMailDownloader\Downloader;
use Tomaj\ImapMailDownloader\MailCriteria;
use Tomaj\ImapMailDownloader\Email;
use Tomaj\BankMailsParser\Parser\TatraBanka\TatraBankaMailParser;

$downloader = new Downloader('*imap host*', *port*, '*username*', '*password*');

$criteria = new MailCriteria();
$criteria->setFrom('some@email.com');
$downloader->fetch($criteria, function(Email $email) {
    $tatraBankaMailParser = new TatraBankaMailParser();
	$mailContent = $tatraBankaMailParser->parse($email->getBody());
	
	// process $mailContent data...
	
	return true;
});

Note: You have to include package imap-email-downloader: composer require tomaj/imap-email-downloader

🔒 Security Considerations

Production Recommendations

• Store PGP keys outside web root
• Use environment variables for sensitive configuration
• Log parsing failures for security monitoring
• Validate all extracted amounts before processing payments
• Never expose raw email content in error messages

🤝 Contributing

We welcome contributions! Here's how you can help:

Adding New Bank Parsers

1. Fork the repository and create feature branch
2. Study existing parsers in src/Parser/ for patterns
3. Create parser class implementing ParserInterface:

   namespace Tomaj\BankMailsParser\Parser\YourBank;
   
   class YourBankMailParser implements ParserInterface 
   {
       public function parse(string $content): ?MailContent { /* ... */ }
   }

4. Add comprehensive tests in tests/Parser/YourBank/
5. Update documentation - README, CHANGELOG
6. Submit Pull Request with example email formats

Development Setup

git clone https://github.com/tomaj/bank-mails-parser.git
cd bank-mails-parser
composer install
./vendor/bin/phpunit        # Run tests
./vendor/bin/phpstan analyse # Static analysis

Coding Standards

• PHP 8.2+ with strict types
• PSR-12 coding standard
• 100% test coverage for new parsers
• Comprehensive PHPDoc comments

Bank Parser Requirements

• Must handle both successful and failed transactions
• Support for multi-transaction emails (if applicable)
• Robust regex patterns with proper escaping
• Currency and amount parsing with locale support

💡 Need help? Open an issue or check existing parser implementations for guidance!