ČSOB Czech Republic

Parser for ČSOB Czech Republic bank confirmation emails. Supports one transaction and several in the same mail. Pass the decoded plain text; HTML is not parsed.

Parser

CsobMailParser

<?php

use Tomaj\BankMailsParser\Parser\Csob\CsobMailParser;

$parser = new CsobMailParser();

Methods

parse(string $content): MailContent

Parses one transaction. Throws InvalidEmailFormatException when the text is not a ČSOB CZ payment. tryParse() returns null instead.

parseAll(string $content): array

Parses every transaction in the mail. Throws InvalidEmailFormatException when the text is not a ČSOB CZ payment or a transaction cannot be read. It does not return an empty list.

Supported Fields

• Money (money: ?Money) - Signed minor-unit amount and currency (toDecimalString() for a decimal)
• Account Number (accountNumber: ?string) - Destination account
• Source Account (sourceAccountNumber: ?string) - Account token from Účet protistrany. Trailing prose such as (Fio banka) is dropped, and so is <br>.
• Transaction Date (transactionDate: ?DateTimeImmutable)
• Variable Symbol (vs: ?string) - Variable symbol
• Constant Symbol (ks: ?string) - Constant symbol
• Receiver Message (receiverMessage: ?string) - Payment message

Email Format

ČSOB CZ notifications are Czech text. Convert HTML to text before parsing. The parser handles these transaction types:

• Došlá platba (Incoming payment)
• Příchozí úhrada (Incoming credit)
• SEPA převod (SEPA transfer)
• Zahraniční transakce (Foreign transaction)
• Hotovostní transakce (Cash transaction)
• Platební kartou (Card payment)

Example Email

Vážený kliente,

toto je automaticky generovaný e-mail ze služby ČSOB CEB.

Dne 25.9.2018 byla na účtu 123456789 zaúčtovaná transakce typu: Došlá platba.

Název smlouvy: Company Name
Číslo smlouvy: 87654321
Účet: 123456789, CZK
Částka: +1 234,56 CZK
Účet protistrany: 1122334455/9999
Název protistrany: Sender Name
Variabilní symbol: 23456789
Konstantní symbol: 3456

Zůstatek na účtu po zaúčtování transakce: +1 234 567,89 CZK.

Usage Examples

Single Transaction

use Tomaj\BankMailsParser\Exception\InvalidEmailFormatException;
use Tomaj\BankMailsParser\Parser\Csob\CsobMailParser;

$parser = new CsobMailParser();

try {
    $mailContents = $parser->parseAll($emailBody);
} catch (InvalidEmailFormatException) {
    $mailContents = [];
}

foreach ($mailContents as $mailContent) {
    echo $mailContent->money?->toDecimalString(); // "1234.56"
    echo $mailContent->money?->currency->value;   // "CZK"
    echo $mailContent->accountNumber;       // "123456789"
    echo $mailContent->sourceAccountNumber; // "1122334455/9999"
    echo $mailContent->vs;                  // "23456789"
    echo $mailContent->ks;                  // "3456"
}

Multiple Transactions

$emailWithMultipleTransactions = '...'; // Email with multiple "Dne" markers

$parser = new CsobMailParser();
$mailContents = $parser->parseAll($emailWithMultipleTransactions);

foreach ($mailContents as $mailContent) {
    printf(
        "Transaction: %s %s, VS: %s, Account: %s\n",
        $mailContent->money?->toDecimalString(),
        $mailContent->money?->currency->value,
        $mailContent->vs,
        $mailContent->accountNumber
    );
}

Variable Symbol Detection

The parser uses the 4.1.0 order:

1. Variabilní symbol: An all-zero value is skipped. More than 10 digits is null.
2. Identifikace: Replaces the value from step 1, as in 4.1.0.
3. A VS or v.s. token.
4. The last number on Zpráva příjemci, including a number without a VS prefix and a creditor reference.
5. Účel platby: the last 1–10 digit number on a word boundary before Zůstatek, including a wrapped purpose and a blank line inside that span. AB12, INV2026, and FV2024001 are not symbols. Without Zůstatek, a number in the footer is not a symbol.

Název protistrany, Adresa protistrany, Adresa plátce, Zpráva příjemci, Identifikace, Účel platby, and Reference plátce are written by the payer. A blank line, or a line of spaces, tabs or NBSP, ends the field. An arbitrary Word: does not. The field also ends on the bank's own line: the full Zůstatek na účtu po zaúčtování transakce: +1 234,56 CZK. sentence, a digits-only symbol line, or an account line. Bare Zůstatek does not. A header or a signed amount inside that text is blanked. It does not reject the mail. Částka: záloha 2 500 Kč and Dne 1.10.2026 byla na účtu chyba, vracím stay the message. An account line is the counterparty, including when the name comes first. sourceAccountNumber keeps the account token: trailing prose such as (Fio banka) is dropped, and so is <br>. Several transactions with no balance line still parse, the same as 4.1.0. That is a known limitation: without balance lines a forged transaction in payer text cannot be distinguished from a real one. Check the amount against the bank API or a statement. When the mail does include a balance, each transaction needs exactly one. A second balance line in the same transaction throws InvalidEmailFormatException with Transaction has more than one balance line. The previous balance plus the amount must equal the next balance. A lone CR, VT, FF, U+0085, U+2028 or U+2029 inside a mail that already has LF stays an ordinary character and does not split a line. A header does not need a blank line before it. When you pair a payment, also check the amount.

Special Features

Amount Handling

• Supports both positive (+) and negative (-) amounts
• Handles various number formats with spaces and commas
• Automatically parses normalized amounts

Account Trimming

Source account numbers are automatically trimmed of whitespace.

Multi-line Messages

Handles multi-line receiver messages and payment purposes.

Error Handling

use Tomaj\BankMailsParser\Exception\InvalidEmailFormatException;
use Tomaj\BankMailsParser\Parser\Csob\CsobMailParser;

$parser = new CsobMailParser();

try {
    foreach ($parser->parseAll($emailBody) as $mailContent) {
        processTransaction($mailContent);
    }
} catch (InvalidEmailFormatException $exception) {
    error_log($exception->getMessage());
}

Next Steps

• See more Examples
• Check ČSOB SK for Slovak version
• Read the complete API Reference