> For the complete documentation index, see [llms.txt](https://docs.fonbnk.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.fonbnk.com/countries/philippines/bank-transfer.md).

# Bank transfer

How to off-ramp PHP with bank transfer in Philippines: fields, limits and API examples.

| countryIsoCode | currencyIsoCode | paymentChannel | Typical settlement |
| -------------- | --------------- | -------------- | ------------------ |
| `PH`           | `PHP`           | `bank`         | —                  |

{% hint style="warning" %}
The walkthroughs ran in sandbox on 2026-10-09. The limits, fields and KYC rules are a snapshot of production on 2026-10-09. They change when providers change, so build against [Get available currencies](/server-to-server/api-endpoints/get-available-currencies.md) and the `fieldsToCreateOrder` of each quote, not against this page.
{% endhint %}

| Route                                | Per order (production) | Transfer type |
| ------------------------------------ | ---------------------- | ------------- |
| Off-ramp, Bank transfer (`ph_gcash`) | 100 to 30,697.62 PHP   | —             |

Before the first call: set up the keys and the signing helpers from [Countries](/countries.md), and verify the user as [Philippines](/countries/philippines.md) explains.

## Off-ramp

### 1. Get a quote

The quote fixes the rate and lists the fields to collect from the user. Use it before `quoteExpiresAt`, or get a new one.

{% tabs %}
{% tab title="curl" %}
{% code overflow="wrap" %}

```bash
ENDPOINT='/api/v2/quote'
TIMESTAMP=$(($(date +%s) * 1000))
curl -X POST "$FONBNK_BASE_URL$ENDPOINT" \
  -H "x-client-id: $FONBNK_CLIENT_ID" \
  -H "x-timestamp: $TIMESTAMP" \
  -H "x-signature: $(fonbnk_sign "$TIMESTAMP" "$ENDPOINT")" \
  -H "Content-Type: application/json" \
  --data '{"deposit":{"paymentChannel":"crypto","currencyType":"crypto","currencyCode":"CELO_USDT"},"payout":{"paymentChannel":"bank","currencyType":"fiat","currencyCode":"PHP","countryIsoCode":"PH","carrierCode":"ph_gcash","amount":400}}'
```

{% endcode %}
{% endtab %}

{% tab title="TypeScript" %}
{% code overflow="wrap" %}

```typescript
const response = await fonbnkRequest('POST', '/api/v2/quote', {
  "deposit": {
    "paymentChannel": "crypto",
    "currencyType": "crypto",
    "currencyCode": "CELO_USDT"
  },
  "payout": {
    "paymentChannel": "bank",
    "currencyType": "fiat",
    "currencyCode": "PHP",
    "countryIsoCode": "PH",
    "carrierCode": "ph_gcash",
    "amount": 400
  }
});
```

{% endcode %}
{% endtab %}
{% endtabs %}

{% code title="Response (sandbox, fee amounts and long lists cut)" overflow="wrap" expandable="true" %}

```json
{
  "quoteId": "665000000000000000000018",
  "quoteExpiresAt": "2026-10-09T12:35:00.000Z",
  "deposit": {
    "paymentChannel": "crypto",
    "currencyType": "crypto",
    "currencyCode": "CELO_USDT",
    "currencyDetails": {
      "network": "CELO",
      "asset": "USDT",
      "contractAddress": "0xd5cf8ab08295e32db2e2dce8478e5ce021340a57"
    },
    "cashout": {
      "amountBeforeFees": 6.546595,
      "amountAfterFees": 6.546595,
      "amountBeforeFeesUsd": 6.546595,
      "amountAfterFeesUsd": 6.546595,
      "exchangeRate": 1,
      "exchangeRateAfterFees": 1,
      "feeSettings": []
    },
    "fieldsToCreateOrder": [
      {
        "key": "blockchainWalletAddress",
        "type": "string",
        "label": "Your wallet address",
        "required": false
      },
      {
        "key": "depositSandboxForcedFlow",
        "type": "enum",
        "label": "Sandbox deposit forced flow",
        "required": false,
        "defaultValue": "deposit_success",
        "options": [
          {
            "label": "Deposit success",
            "value": "deposit_success"
          },
          {
            "label": "Deposit invalid",
            "value": "deposit_invalid"
          },
          {
            "label": "Deposit invalid: transfer not found",
            "value": "deposit_crypto_transfer_not_found"
          }
        ]
      }
    ],
    "transferType": "manual"
  },
  "payout": {
    "paymentChannel": "bank",
    "currencyType": "fiat",
    "currencyCode": "PHP",
    "currencyDetails": {
      "countryIsoCode": "PH"
    },
    "cashout": {
      "amountBeforeFees": 412.37,
      "amountAfterFees": 400,
      "amountBeforeFeesUsd": 6.546595,
      "amountAfterFeesUsd": 6.350214,
      "exchangeRate": 62.99,
      "exchangeRateAfterFees": 64.938,
      "feeSettings": [
        {
          "id": "provider_fee",
          "type": "percentage",
          "recipient": "provider"
        },
        {
          "id": "service_fee",
          "type": "percentage",
          "recipient": "platform"
        }
      ]
    },
    "fieldsToCreateOrder": [
      {
        "key": "phoneNumber",
        "label": "Phone Number",
        "required": true,
        "type": "phone"
      },
      {
        "key": "bankCode",
        "label": "Bank name",
        "required": true,
        "type": "enum",
        "options": [
          {
            "label": "Sandbox Bank",
            "value": "1"
          },
          {
            "label": "Sandbox Bank 2",
            "value": "2"
          },
          {
            "label": "Sandbox Bank 3",
            "value": "3"
          }
        ]
      },
      {
        "key": "bankAccountNumber",
        "label": "Bank Account Number",
        "required": true,
        "type": "string"
      },
      {
        "key": "payoutSandboxForcedFlow",
        "type": "enum",
        "label": "Sandbox payout forced flow",
        "required": false,
        "defaultValue": "payout_success",
        "options": [
          {
            "label": "Payout success",
            "value": "payout_success"
          },
          {
            "label": "Payout failed",
            "value": "payout_failed"
          }
        ]
      }
    ]
  }
}
```

{% endcode %}

In production the quote asks for these fields:

| Field                     | Label                    | Type     | Required | Example                                      |
| ------------------------- | ------------------------ | -------- | -------- | -------------------------------------------- |
| `blockchainWalletAddress` | Your wallet address      | `string` | No       | `0x5b7ae3c6c87f4a3f94b35c77233b13191ebfad20` |
| `phoneNumber`             | Phone Number             | `phone`  | Yes      | `639171234567`                               |
| `bankAccountHolderName`   | Bank Account Holder Name | `string` | Yes      | `Maria Santos`                               |
| `carrierCode`             | Bank or e-wallet         | `enum`   | Yes      | `ph_gcash`                                   |
| `bankAccountNumber`       | Bank Account Number      | `string` | Yes      | `0123456789`                                 |

Sandbox does not ask for `bankAccountHolderName`, `carrierCode`. Production does, so send them there.

### 2. Create the order

Send `quoteId` from the quote, and every required field of both legs as one flat `fieldsToCreateOrder` object.

{% tabs %}
{% tab title="curl" %}
{% code overflow="wrap" %}

```bash
ENDPOINT='/api/v2/order'
TIMESTAMP=$(($(date +%s) * 1000))
curl -X POST "$FONBNK_BASE_URL$ENDPOINT" \
  -H "x-client-id: $FONBNK_CLIENT_ID" \
  -H "x-timestamp: $TIMESTAMP" \
  -H "x-signature: $(fonbnk_sign "$TIMESTAMP" "$ENDPOINT")" \
  -H "Content-Type: application/json" \
  --data '{"quoteId":"665000000000000000000018","userEmail":"user@example.com","userIp":"102.89.23.10","userCountryIsoCode":"PH","deposit":{"paymentChannel":"crypto","currencyType":"crypto","currencyCode":"CELO_USDT"},"payout":{"paymentChannel":"bank","currencyType":"fiat","currencyCode":"PHP","countryIsoCode":"PH","carrierCode":"ph_gcash","amount":400},"fieldsToCreateOrder":{"phoneNumber":"639171234567","bankCode":"1","bankAccountNumber":"0123456789"},"orderParams":"my-order-offramp-bank"}'
```

{% endcode %}
{% endtab %}

{% tab title="TypeScript" %}
{% code overflow="wrap" %}

```typescript
const response = await fonbnkRequest('POST', '/api/v2/order', {
  "quoteId": "665000000000000000000018",
  "userEmail": "user@example.com",
  "userIp": "102.89.23.10",
  "userCountryIsoCode": "PH",
  "deposit": {
    "paymentChannel": "crypto",
    "currencyType": "crypto",
    "currencyCode": "CELO_USDT"
  },
  "payout": {
    "paymentChannel": "bank",
    "currencyType": "fiat",
    "currencyCode": "PHP",
    "countryIsoCode": "PH",
    "carrierCode": "ph_gcash",
    "amount": 400
  },
  "fieldsToCreateOrder": {
    "phoneNumber": "639171234567",
    "bankCode": "1",
    "bankAccountNumber": "0123456789"
  },
  "orderParams": "my-order-offramp-bank"
});
```

{% endcode %}
{% endtab %}
{% endtabs %}

{% code title="Response (sandbox, order fields cut)" overflow="wrap" expandable="true" %}

```json
{
  "quoteUsed": true,
  "order": {
    "_id": "665000000000000000000019",
    "status": "deposit_awaiting",
    "expiresAt": "2026-10-09T12:35:00.000Z",
    "deposit": {
      "paymentChannel": "crypto",
      "currencyType": "crypto",
      "currencyCode": "CELO_USDT",
      "currencyDetails": {
        "network": "CELO",
        "asset": "USDT",
        "contractAddress": "0xd5cf8ab08295e32db2e2dce8478e5ce021340a57"
      },
      "cashout": {
        "exchangeRate": 1,
        "feeSettings": [],
        "exchangeRateAfterFees": 1,
        "amountBeforeFees": 6.546595,
        "amountAfterFees": 6.546595,
        "amountBeforeFeesUsd": 6.546595,
        "amountAfterFeesUsd": 6.546595
      },
      "providedFieldsToCreateOrder": {},
      "transferInstructions": {
        "type": "manual",
        "instructionsText": "Please send the exact amount of crypto to the address below. Make sure to send only USDT on the Celo network. Sending any other assets or using a different network may result in loss of funds.",
        "transferDetails": [
          {
            "id": "recipientWalletAddress",
            "label": "Wallet address to send",
            "value": "<the deposit address of your order>"
          },
          {
            "id": "senderWalletAddress",
            "label": "Your wallet address"
          },
          {
            "id": "amountToSend",
            "label": "Amount to send",
            "value": "6.546595"
          },
          {
            "id": "cryptoTransactionRequestAdditionalData",
            "label": "Crypto transaction additional data",
            "value": ""
          }
        ],
        "fieldsToConfirmOrder": [
          {
            "key": "blockchainTransactionHash",
            "type": "string",
            "label": "Transaction hash",
            "required": true
          }
        ]
      },
      "formattedUserFieldsToCreateOrder": [
        {
          "key": "blockchainWalletAddress",
          "label": "Your wallet address",
          "value": null,
          "type": "string"
        },
        {
          "key": "depositSandboxForcedFlow",
          "label": "Sandbox deposit forced flow",
          "value": null,
          "type": "enum"
        }
      ]
    }
  }
}
```

{% endcode %}

### 3. Receive the crypto

The user sends the crypto to the address in `order.deposit.transferInstructions`. Then call [Confirm order](/server-to-server/api-endpoints/confirm-order.md) with the fields in `transferInstructions.fieldsToConfirmOrder`, here the `blockchainTransactionHash` of that transfer. We check the transfer on-chain, and the payout starts when it is confirmed.

{% tabs %}
{% tab title="curl" %}
{% code overflow="wrap" %}

```bash
ENDPOINT='/api/v2/order/confirm'
TIMESTAMP=$(($(date +%s) * 1000))
curl -X POST "$FONBNK_BASE_URL$ENDPOINT" \
  -H "x-client-id: $FONBNK_CLIENT_ID" \
  -H "x-timestamp: $TIMESTAMP" \
  -H "x-signature: $(fonbnk_sign "$TIMESTAMP" "$ENDPOINT")" \
  -H "Content-Type: application/json" \
  --data '{"orderId":"665000000000000000000019","fieldsToConfirmOrder":{"blockchainTransactionHash":"0x9f996c47b5441520ced429d3f315c9eccd9c184f8e6dc1809c805a3677916418"}}'
```

{% endcode %}
{% endtab %}

{% tab title="TypeScript" %}
{% code overflow="wrap" %}

```typescript
const response = await fonbnkRequest('POST', '/api/v2/order/confirm', {
  "orderId": "665000000000000000000019",
  "fieldsToConfirmOrder": {
    "blockchainTransactionHash": "0x9f996c47b5441520ced429d3f315c9eccd9c184f8e6dc1809c805a3677916418"
  }
});
```

{% endcode %}
{% endtab %}
{% endtabs %}

{% code title="Response (sandbox, status fields only)" overflow="wrap" %}

```json
{
  "_id": "665000000000000000000019",
  "status": "deposit_validating"
}
```

{% endcode %}

### 4. Wait for the final status

The [webhook](/server-to-server/webhooks.md) tells you each new status. To check an order, call [Get order](/server-to-server/api-endpoints/get-order.md). What to do at each status is on [Countries](/countries.md). Sandbox crypto runs on a test network and checks each deposit on-chain. The sample hash above matches no transfer, so this sandbox order stays in `deposit_validating`. Send a real test-network transfer to finish an off-ramp in sandbox.

{% tabs %}
{% tab title="curl" %}
{% code overflow="wrap" %}

```bash
ENDPOINT='/api/v2/order?orderId=665000000000000000000019'
TIMESTAMP=$(($(date +%s) * 1000))
curl "$FONBNK_BASE_URL$ENDPOINT" \
  -H "x-client-id: $FONBNK_CLIENT_ID" \
  -H "x-timestamp: $TIMESTAMP" \
  -H "x-signature: $(fonbnk_sign "$TIMESTAMP" "$ENDPOINT")"
```

{% endcode %}
{% endtab %}

{% tab title="TypeScript" %}
{% code overflow="wrap" %}

```typescript
const response = await fonbnkRequest('GET', '/api/v2/order?orderId=665000000000000000000019');
```

{% endcode %}
{% endtab %}
{% endtabs %}

{% code title="Response (sandbox, status fields only)" overflow="wrap" %}

```json
{
  "_id": "665000000000000000000019",
  "status": "deposit_validating",
  "statusChangeLogs": [
    {
      "oldStatus": "deposit_awaiting",
      "newStatus": "deposit_validating",
      "date": "2026-10-09T12:05:00.000Z"
    }
  ]
}
```

{% endcode %}

## Testing in sandbox

Add one of these fields to `fieldsToCreateOrder` to force how a sandbox order ends, then run the walkthrough. Without them, a sandbox on-ramp succeeds. No real money moves.

| Route                                | Field                      | Values                                                                                                                                                                              |
| ------------------------------------ | -------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| On-ramp, Bank transfer (`ph_gcash`)  | `depositSandboxForcedFlow` | `deposit_success`, `deposit_invalid`, `deposit_underpayment`, `deposit_overpayment`, `deposit_payment_info_mismatch`                                                                |
| On-ramp, Bank transfer (`ph_gcash`)  | `payoutSandboxForcedFlow`  | `payout_success`, `payout_failed`                                                                                                                                                   |
| Off-ramp, Bank transfer (`ph_gcash`) | `depositSandboxForcedFlow` | `deposit_success`, `deposit_invalid`, `deposit_crypto_transfer_not_found`, `deposit_crypto_sender_mismatch`, `deposit_crypto_transfer_reverted`, `deposit_crypto_paid_before_order` |
| Off-ramp, Bank transfer (`ph_gcash`) | `payoutSandboxForcedFlow`  | `payout_success`, `payout_failed`                                                                                                                                                   |


---

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