iban = $bankAccount->iban; $instance->accountHolder = $bankAccount->holder; $instance->bankName = $bankAccount->bankName; $instance->sepaMandateAccepted = true; return $instance; } /** * Returns IBAN formatted with spaces for display (e.g., DE12 3456 7890 1234 5678 90). */ public function getFormattedIban(): ?string { if (null === $this->iban) { return null; } $cleanIban = $this->getIbanWithoutSpaces(); return chunk_split($cleanIban, 4, ' '); } /** * Returns IBAN without spaces for storage and API submission. */ public function getIbanWithoutSpaces(): ?string { if (null === $this->iban) { return null; } return (string) preg_replace('/\s+/', '', $this->iban); } }