diff --git a/app/Endpoint/Api/Http/Controllers/UserBankController.php b/app/Endpoint/Api/Http/Controllers/UserBankController.php
new file mode 100644
index 00000000..3b711c4c
--- /dev/null
+++ b/app/Endpoint/Api/Http/Controllers/UserBankController.php
@@ -0,0 +1,49 @@
+<?php
+
+namespace App\Endpoint\Api\Http\Controllers;
+
+use App\Endpoint\Api\Http\Resources\UserBankResource;
+use App\Models\UserBank;
+use Illuminate\Http\Request;
+
+class UserBankController extends Controller
+{
+    /**
+     * 用户银行卡信息
+     *
+     * @param \Illuminate\Http\Request $request
+     * @return void
+     */
+    public function show(Request $request)
+    {
+        $bank = $request->user()->bank;
+        return $bank ? UserBankResource::make($bank) : response()->json([]);
+    }
+
+    public function update(Request $request)
+    {
+        $input = $request->validate([
+            'real_name' => ['bail', 'required', 'string', 'max:50'],
+            'bank_number' => ['bail', 'required', 'string', 'max:30'],
+            'bank_name' => ['bail', 'required', 'string', 'max:100'],
+            'bank_description' => ['bail', 'required', 'string', 'max:200'],
+        ]);
+
+        $bank = $request->user()->bank;
+
+        if ($bank && $bank->real_name != $input['real_name']) {
+            $input['is_edited'] = 1;
+            $input['old_real_name'] = $bank->real_name;
+        }
+
+        if ($bank?->is_edited) {
+            unset($input['real_name']);
+        }
+
+        $bank = UserBank::updateOrCreate([
+            'user_id' => $request->user()->id,
+        ], $input);
+
+        return UserBankResource::make($bank);
+    }
+}
diff --git a/app/Endpoint/Api/Http/Resources/UserBankResource.php b/app/Endpoint/Api/Http/Resources/UserBankResource.php
new file mode 100644
index 00000000..0cdef986
--- /dev/null
+++ b/app/Endpoint/Api/Http/Resources/UserBankResource.php
@@ -0,0 +1,25 @@
+<?php
+
+namespace App\Endpoint\Api\Http\Resources;
+
+use Illuminate\Http\Resources\Json\JsonResource;
+
+class UserBankResource extends JsonResource
+{
+    /**
+     * Transform the resource into an array.
+     *
+     * @param  \Illuminate\Http\Request  $request
+     * @return array|\Illuminate\Contracts\Support\Arrayable|\JsonSerializable
+     */
+    public function toArray($request)
+    {
+        return [
+            'real_name' => (string) $this->real_name,
+            'bank_number' => (string) $this->bank_number,
+            'bank_name' => (string) $this->bank_name,
+            'bank_description' => (string) $this->bank_description,
+            'is_edited' => (bool) $this->is_edited,
+        ];
+    }
+}
diff --git a/app/Endpoint/Api/routes.php b/app/Endpoint/Api/routes.php
index 5cba2301..99855250 100644
--- a/app/Endpoint/Api/routes.php
+++ b/app/Endpoint/Api/routes.php
@@ -28,6 +28,7 @@ use App\Endpoint\Api\Http\Controllers\ShareBgController;
 use App\Endpoint\Api\Http\Controllers\ShippingAddressController;
 use App\Endpoint\Api\Http\Controllers\ShoppingCartItemController;
 use App\Endpoint\Api\Http\Controllers\SmsCodeController;
+use App\Endpoint\Api\Http\Controllers\UserBankController;
 use App\Endpoint\Api\Http\Controllers\UserCouponController;
 use App\Endpoint\Api\Http\Controllers\ZoneController;
 use Illuminate\Support\Facades\Route;
@@ -82,6 +83,10 @@ Route::group([
         // 修改密码
         Route::post('change-password', ChangePasswordController::class);
 
+        //银行卡
+        Route::get('user-bank', [UserBankController::class, 'show']);
+        Route::put('user-bank', [UserBankController::class, 'update']);
+
         // 收藏商品
         Route::post('product/products/{product}/collect', [ProductSkuController::class, 'collect']);
         // 取消商品收藏
diff --git a/app/Models/User.php b/app/Models/User.php
index 830627f3..cbc8fdca 100644
--- a/app/Models/User.php
+++ b/app/Models/User.php
@@ -172,6 +172,14 @@ class User extends Model implements AuthorizableContract, AuthenticatableContrac
         return $this->hasMany(ClickLog::class);
     }
 
+    /**
+     * 用户的银行卡
+     */
+    public function bank()
+    {
+        return $this->hasOne(UserBank::class, 'user_id');
+    }
+
     /**
      * 禁用用户
      *
diff --git a/app/Models/UserBank.php b/app/Models/UserBank.php
new file mode 100644
index 00000000..631d9817
--- /dev/null
+++ b/app/Models/UserBank.php
@@ -0,0 +1,27 @@
+<?php
+
+namespace App\Models;
+
+use Dcat\Admin\Traits\HasDateTimeFormatter;
+use Illuminate\Database\Eloquent\Factories\HasFactory;
+use Illuminate\Database\Eloquent\Model;
+
+class UserBank extends Model
+{
+    use HasFactory;
+    use HasDateTimeFormatter;
+
+    protected $casts = [
+        'is_edited'=>'bool',
+    ];
+
+    protected $fillable = [
+        'user_id',
+        'real_name',
+        'bank_number',
+        'bank_name',
+        'bank_description',
+        'is_edited',
+        'old_real_name',
+    ];
+}
diff --git a/database/migrations/2021_12_24_131826_create_user_banks_table.php b/database/migrations/2021_12_24_131826_create_user_banks_table.php
new file mode 100644
index 00000000..0611367c
--- /dev/null
+++ b/database/migrations/2021_12_24_131826_create_user_banks_table.php
@@ -0,0 +1,38 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+class CreateUserBanksTable extends Migration
+{
+    /**
+     * Run the migrations.
+     *
+     * @return void
+     */
+    public function up()
+    {
+        Schema::create('user_banks', function (Blueprint $table) {
+            $table->id();
+            $table->unsignedBigInteger('user_id')->unique()->comment('用户ID');
+            $table->string('real_name')->comment('真实姓名');
+            $table->string('bank_number')->comment('银行卡号');
+            $table->string('bank_name')->comment('银行名称');
+            $table->string('bank_description')->comment('开户行');
+            $table->unsignedTinyInteger('is_edited')->default(0)->comment('是否修改过姓名');
+            $table->string('old_real_name')->nullable()->comment('原真实姓名');
+            $table->timestamps();
+        });
+    }
+
+    /**
+     * Reverse the migrations.
+     *
+     * @return void
+     */
+    public function down()
+    {
+        Schema::dropIfExists('user_banks');
+    }
+}