TatraBanka

TatraBanka is the most comprehensive bank parser in this library, supporting three different email formats: standard notifications, ComfortPay payments, and PGP-encrypted statements.

Parsers Overview

Parser	Email Type	Class
Standard Notifications	Plain text transaction emails	`TatraBankaMailParser`
ComfortPay Payments	Key=value format (CardPay)	`TatraBankaSimpleMailParser`
Encrypted Statements	PGP-encrypted multi-transaction	`TatraBankaStatementMailParser`

Standard Notifications

TatraBankaMailParser

Parses standard transaction notification emails sent by TatraBanka.

php

<?php

use Tomaj\BankMailsParser\Parser\TatraBanka\TatraBankaMailParser;

$parser = new TatraBankaMailParser();
$mailContent = $parser->parse($emailBody);

Supported Fields

Money (money: ?Money) - Minor-unit amount plus Currency. Decimal text is toDecimalString(). Incoming amounts are positive. Three non-zero decimals, such as 12,315 EUR, throw InvalidEmailFormatException.
Header - bol zostatok Vasho uctu must start the line. Leading whitespace is allowed. Dobry den, 16.1.2015 12:51 bol zostatok… does not parse.
Account Number (accountNumber: ?string) - Destination account (IBAN)
Source Account (sourceAccountNumber: ?string) - Source account number
Transaction Date (transactionDate: ?DateTimeImmutable) - Parsed with j.n.Y G:i or j. n. Y G:i
Variable Symbol (vs: ?string) - /VS…/SS…/KS…, then a VS token, then the last number in Informacia pre prijemcu when Referencia platitela is absent (the same as 4.1.0), then a bare Referencia platitela. A blank line before that reference does not drop it. The payer writes the message. When you pair a payment, also check the amount, and another identifier when you have one. The message cannot change the amount, account, or date.
Specific Symbol (ss: ?string) - Specific symbol (ŠS)
Constant Symbol (ks: ?string) - Constant symbol (KS)
Receiver Message (receiverMessage: ?string) - Message for recipient
Description (description: ?string) - Transaction description

Email Format Example

Vazeny klient,

16.1.2015 12:51 bol zostatok Vasho uctu SK9812353347235 zvyseny o 12,31 EUR.
uctovny zostatok:                            142,11 EUR
aktualny zostatok:                           142,11 EUR
disponibilny zostatok:                       142,11 EUR

Popis transakcie: CCINT 1100/000000-261426464
Referencia platitela: /VS1234056789/SS9087654321/KS5428175648
Informacia pre prijemcu: test-sprava

S pozdravom
TATRA BANKA, a.s.

Parsing Example

php

$parser = new TatraBankaMailParser();
$mailContent = $parser->parse($emailBody);

echo $mailContent->money?->toDecimalString(); // "12.31"
echo $mailContent->money?->currency->value;   // "EUR"
echo $mailContent->accountNumber;             // "SK9812353347235"
echo $mailContent->sourceAccountNumber;       // "1100/000000-261426464"
echo $mailContent->vs;                        // "1234056789"
echo $mailContent->ss;                        // "9087654321"
echo $mailContent->ks;                        // "5428175648"
echo $mailContent->receiverMessage;           // "test-sprava"

ComfortPay Payments

TatraBankaSimpleMailParser

Parses ComfortPay and CardPay confirmation emails with key=value format.

php

<?php

use Tomaj\BankMailsParser\Parser\TatraBanka\TatraBankaSimpleMailParser;

$parser = new TatraBankaSimpleMailParser();
$mailContent = $parser->parse($emailBody);

Supported Fields

Money (money: ?Money) - Present when both AMT and CURR are set. Numeric 978 becomes EUR. Amount without currency leaves money null. The decimal mark is ..
Variable Symbol (vs: ?string) - Variable symbol
Result (res: ?string) - Transaction result (OK, FAIL)
Authorization Code (ac: ?string) - Authorization code
Client ID (cid: ?string) - Client ID (ComfortPay)
Card Info (cc: ?string) - Masked card number
Transaction ID (tid: ?string) - Transaction ID
Transaction code (txn: ?string) - CardPay code such as PA
Return Code (rc: ?string) - Return code
Signature (sign: ?string) - HMAC or SIGN value, stored and not verified. Check the signature and DKIM before booking the payment. When TRES is present, res is that value and tres stores it too. A duplicate key with a different value throws InvalidEmailFormatException.
Transaction Date (transactionDate: ?DateTimeImmutable) - 14-digit TIMESTAMP is dmYHis; 10 digits are a Unix timestamp

Email Format Example

VS=1152201233 RES=OK AC=558058 SIGN=C0CBF27F5D97841E

AMT=44.88 CURR=978 VS=4444255333 RES=OK AC=644311 TRES=OK 
CID=824452 CC=************1111 TID=11224444 
TIMESTAMP=26112016121631 HMAC=b76cb9ddeed7ed0bcf991f19bbbabfb1

Parsing Example

php

$emailBody = 'AMT=44.88 CURR=978 VS=4444255333 RES=OK AC=644311 ' .
             'TRES=OK CID=824452 CC=************1111 TID=11224444 ' .
             'TIMESTAMP=26112016121631 HMAC=b76cb9ddeed7ed0bcf991f19bbbabfb1';

$parser = new TatraBankaSimpleMailParser();
$mailContent = $parser->parse($emailBody);

echo $mailContent->money?->toDecimalString(); // "44.88"
echo $mailContent->money?->currency->value;   // "EUR"
echo $mailContent->vs;                        // "4444255333"
echo $mailContent->res;                       // "OK"
echo $mailContent->cid;                       // "824452"
echo $mailContent->cc;                        // "************1111"

PGP-Encrypted Statements

TatraBankaStatementMailParser

Parses PGP-encrypted bank statement emails containing multiple transactions. Requires the TatraBankaMailDecryptor to decrypt the email first.

Setup

First, you need to configure the PGP decryptor with your private key:

php

<?php

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

// Initialize decryptor
$decryptor = new TatraBankaMailDecryptor(
    '/path/to/your/private-key.asc',  // Path to PGP private key
    'your-passphrase'                  // Passphrase for the key
);

// Create parser with decryptor
$parser = new TatraBankaStatementMailParser($decryptor);

Parsing Encrypted Statements

php

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

$decryptor = new TatraBankaMailDecryptor(
    '/path/to/your/private-key.asc',
    'your-passphrase'
);
$parser = new TatraBankaStatementMailParser($decryptor);

$mailContents = $parser->parseMulti($encryptedEmailBody);

foreach ($mailContents as $mailContent) {
    echo $mailContent->money?->toDecimalString() . ' ' . $mailContent->money?->currency->value . "\n";
    echo "VS: " . $mailContent->vs . "\n";
    echo "Account: " . $mailContent->accountNumber . "\n";
    echo "KS: " . $mailContent->ks . "\n";
}

TatraBankaMailDecryptor

The decryptor handles OpenPGP decryption of TatraBanka statement emails.

Constructor

php

public function __construct(
    string $privateKeyPath,  // Path to PGP private key file (.asc)
    string $passphrase       // Passphrase to unlock the private key
)

Method

php

public function decrypt(string $contents): string

Decrypts a PGP-armored message and returns the plain text. A missing key path, an unreadable key, or a wrong passphrase throws ConfigurationException (not a ParseException). tryParse() rethrows that. A message that cannot be decrypted throws DecryptionException, which the statement parser wraps as InvalidEmailFormatException.

Error Handling

php

try {
    $decryptor = new TatraBankaMailDecryptor(
        '/path/to/private-key.asc',
        'passphrase'
    );
    
    $decrypted = $decryptor->decrypt($encryptedEmailBody);
    echo $decrypted;
} catch (\Exception $e) {
    // Handle errors:
    // - Missing or invalid private key file
    // - Incorrect passphrase
    // - Malformed PGP message
    error_log('Decryption error: ' . $e->getMessage());
}

Error Handling

parse() throws InvalidEmailFormatException. tryParse() returns null.

php

use Tomaj\BankMailsParser\Exception\InvalidEmailFormatException;
use Tomaj\BankMailsParser\Parser\TatraBanka\TatraBankaMailParser;

$parser = new TatraBankaMailParser();

try {
    processTransaction($parser->parse($emailBody));
} catch (InvalidEmailFormatException $exception) {
    error_log($exception->getMessage());
}

Date Format Support

TatraBankaMailParser supports multiple date formats automatically:

16.1.2015 12:51 and 16. 1. 2015 12:51
16.1.2015 12:51:30 (with seconds)
16.1.2015 and 16. 1. 2015 (date only)
2015-01-16 12:51 and 2015-01-16 (Y-m-d, with or without a time)

These are the shapes 4.1.0 accepted, including the old strtotime() fallback. 5.0 parses them explicitly in Europe/Bratislava and does not call strtotime(). A two-digit year (16.1.15) is rejected and transactionDate stays null. Invalid dates are not rolled forward. A wall time that does not exist after the spring-forward change (29.3.2015 2:30) is rejected. The autumn overlap (25.10.2015 2:30) is kept.

Next Steps

See more Examples
Check other banks: ČSOB CZ, ČSOB SK, VÚB
Read the complete API Reference

TatraBanka ​

Parsers Overview ​

Standard Notifications ​

TatraBankaMailParser ​

Supported Fields ​

Email Format Example ​

Parsing Example ​

ComfortPay Payments ​

TatraBankaSimpleMailParser ​

Supported Fields ​

Email Format Example ​

Parsing Example ​

PGP-Encrypted Statements ​

TatraBankaStatementMailParser ​

Setup ​

Parsing Encrypted Statements ​

TatraBankaMailDecryptor ​

Constructor ​

Method ​

Error Handling ​

Error Handling ​

Date Format Support ​

Next Steps ​

TatraBanka

Parsers Overview

Standard Notifications

TatraBankaMailParser

Supported Fields

Email Format Example

Parsing Example

ComfortPay Payments

TatraBankaSimpleMailParser

Supported Fields

Email Format Example

Parsing Example

PGP-Encrypted Statements

TatraBankaStatementMailParser

Setup

Parsing Encrypted Statements

TatraBankaMailDecryptor

Constructor

Method

Error Handling

Error Handling

Date Format Support

Next Steps