A split-phase bidirectional on-board charger (OBC) has separate charging and discharging modes, and includes a switchgear block connectable to an offboard charging station during the charging mode, and to an external alternating current (AC) load during the discharging mode. The OBC includes first and second DC-AC converters connected to the switchgear block and DC-DC converter connected to the first and second DC-AC converters and a DC bus. During the charging mode, the DC-AC converters output a DC link voltage to the DC-DC converter. The DC-DC converter outputs a DC charging voltage or current to the DC bus when the link voltage reaches a predetermined value. During the discharging mode, the DC-AC converters receive a DC discharging voltage or current from the DC-DC converter and together selectively output a split-phase AC voltage through the switchgear block to the AC electrical load.