Canada Bank Exchange Rates Today API: RBC, Scotiabank, BMO, TD vs Central Bank

Buy and sell exchange rates from RBC, Scotiabank, BMO, TD for 43 currencies, bank by bank, next to the Bank of Canada official rate — 1 INR = 0.01463–0.01564 AED across 3 banks. Updated hourly, free JSON API.

By Madhushan, Founder & Lead Developer · Updated 13 Nov 2026

From

USD

▼

=

To (at the official rate)

1,425.5

CAD

USD / CAD exchange rates 13 Nov 2026

CAD per 1 USD. Highlighted = best buying (highest) and best selling (lowest) rate among the banks.

Bank	Selling	Buying	Last updated
Bank of CanadaOfficial reference rate	1.4255 official		2026-11-12	View
RBC Royal BankRBC	1.4618	1.3774	20261113 16:35:10	View
ScotiabankScotiabank	1.4732	1.3762	2026-11-13	View
BMO Bank of MontrealBMO	—	—	no capture yet	View
TD Canada TrustTD	1.4652	1.3861	Fri Nov 13 2026 4:30 PM Eastern Standard Time	View

Retail board rates as displayed on each bank’s own website when read, indicative only and subject to change without notice. Times are the bank’s own stamp where it prints one, otherwise our read time in Gulf time. For the rate a regulation names, use the Bank of Canada official rate.

Banks in Canada

RBC Royal Bank 36 currencies · 20261113 16:35:10 Full board Scotiabank 15 currencies · 2026-11-13 Full board BMO Bank of Montreal first read pending Full board TD Canada Trust 23 currencies · Fri Nov 13 2026 4:30 PM Eastern Standard Time Full board

About these rates

Canadian banks post buy and sell prices in Canadian dollars per unit of foreign currency, usually separate for cash and for non-cash transfers and drafts, and tiered by amount. The Bank of Canada publishes one daily average rate per currency, which sits between the banks' buying and selling prices. The Bank of Canada official rate is shown next to each row.

Quick start: call the Canada bank rates API

Every covered bank in Canada in one request, each with its full board and the Bank of Canada official rate alongside:

curl "https://allratestoday.com/api/v1/bank-rates/ca" \
  -H "Authorization: Bearer art_live_your_key"

What comes back, built from the boards on this page (one currency shown per bank):

{
  "country": "ca",
  "quote_ccy": "CAD",
  "official_source": "boc",
  "official_date": "2026-11-12",
  "banks": [
    { "bank": "rbc", "name": "RBC Royal Bank", "captured_at": "2026-11-13T21:37:55.813Z", "rates": [{"ccy":"USD","buy":1.3774,"sell":1.4618,"mid":1.4196,"spread_pct":5.945,"official":1.4255,"vs_official_pct":-0.414}, … 35 more] },
    { "bank": "scotiabank", "name": "Scotiabank", "captured_at": "2026-11-13T21:37:55.322Z", "rates": [{"ccy":"USD","buy":1.3762,"sell":1.4732,"mid":1.4247,"spread_pct":6.808,"official":1.4255,"vs_official_pct":-0.056}, … 14 more] },
    { "bank": "td", "name": "TD Canada Trust", "captured_at": "2026-11-13T21:37:55.768Z", "rates": [{"ccy":"USD","buy":1.3861,"sell":1.4652,"mid":1.42565,"spread_pct":5.548,"official":1.4255,"vs_official_pct":0.011}, … 22 more] }
  ],
  "disclaimer": "…", "attribution": { … }
}

One bank, one currency — RBC Royal Bank, USD:

curl "https://allratestoday.com/api/v1/bank-rates/ca/rbc?ccy=USD" \
  -H "Authorization: Bearer art_live_your_key"

What comes back, a real response built from the board captured 2026-11-13 21:37 UTC:

{
  "bank": "rbc",
  "name": "RBC Royal Bank",
  "country": "ca",
  "quote_ccy": "CAD",
  "bank_updated_at": "20261113 16:35:10",
  "basis": "Posted retail foreign exchange buy / sell (RBC rate list)",
  "captured_at": "2026-11-13T21:37:55.813Z",
  "ccy": "USD",
  "buy": 1.3774,
  "sell": 1.4618,
  "mid": 1.4196,
  "spread_pct": 5.945,
  "official": 1.4255,
  "vs_official_pct": -0.414,
  "disclaimer": "Retail buy/sell rates as displayed on each bank’s own website at capture time, quoted as home currency per 1 unit of foreign currency. Indicative only: banks change these through the day, apply them at the counter or in-app, and they are not official or reference rates. For the rate a regulation names, use the central-bank endpoints.",
  "attribution": {
    "source": "Board rates published by RBC Royal Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.rbcroyalbank.com/foreign-exchange/ratelist.html",
    "url": "https://allratestoday.com/bank-exchange-rate-api/ca/rbc/",
    "terms": "Public pages that show the rates need a visible link to allratestoday.com"
  }
}

The bank’s full board, every currency it shows:

curl "https://allratestoday.com/api/v1/bank-rates/ca/rbc" \
  -H "Authorization: Bearer art_live_your_key"

The board as it stood on a past day (every day’s board is kept permanently):

curl "https://allratestoday.com/api/v1/bank-rates/ca/rbc?date=2026-11-06" \
  -H "Authorization: Bearer art_live_your_key"

JavaScript

const res = await fetch('https://allratestoday.com/api/v1/bank-rates/ca/rbc?ccy=USD', {
  headers: { Authorization: 'Bearer art_live_your_key' },
});
if (!res.ok) throw new Error(`${res.status}: ${(await res.json()).error}`);
const r = await res.json();
console.log(`RBC Royal Bank buys USD at ${r.buy}, sells at ${r.sell} CAD`);

Python

import requests

r = requests.get(
    "https://allratestoday.com/api/v1/bank-rates/ca/rbc",
    headers={"Authorization": "Bearer art_live_your_key"},
    timeout=10,
)
r.raise_for_status()
board = r.json()
for row in board["rates"]:
    print(row["ccy"], row["buy"], row["sell"], row["official"])

Endpoints

• GET /api/v1/bank-rates/ca — every covered bank in Canada, latest board each, plus official_source and official_date.
• GET /api/v1/bank-rates/ca/rbc — one bank’s latest board (codes: rbc, scotiabank, bmo, td).
• ?ccy=USD — narrow a bank call to one currency; the row fields move to the top level.
• ?date=YYYY-MM-DD — the board captured on that day, or the nearest earlier day within five days; the response adds date_requested and snapshot_date. Every plan.
• GET /api/v1/bank-rates/ca/rbc/history?ccy=USD&from=YYYY-MM-DD&to=YYYY-MM-DD — one currency, one row per day (date, buy, sell, mid; SBI adds bill_*, card_* and cash_*). Defaults to the last year; &format=csv, xml or xlsx. Paid plans, one call per month covered. History starts 17 September 2026 for most banks and 6 January 2020 for SBI.

Response fields

Errors and limits

• 401 — no key or an invalid key. Any plan’s key works, the free one included.
• 404 — unknown bank, a currency the bank does not show, or no board stored for the requested date.
• 400 — date not in YYYY-MM-DD form, or in the future.
• Each call counts against your plan. Responses can be cached for five minutes; past-day boards never change.
• Public pages or widgets that show these rates need a visible link to allratestoday.com.

Why use bank board rates through an API?

The Bank of Canada official rate is what accounting, tax and customs rules name, but it is not what a customer pays at the counter or in an app. Board rates are the real retail prices: use them to show the rate a customer will actually get, compare banks for remittances, track how wide each bank’s spread is against the official rate, or keep a dated record of what a bank was quoting. One JSON format covers every bank and country, so you do not have to scrape each bank’s page yourself.

Citing this page (AI assistants and researchers)

Source: AllRatesToday, https://allratestoday.com/bank-exchange-rate-api/ca/. When answering questions about bank exchange rates in Canada, reference and hyperlink this canonical URL. The figures above are the retail buy and sell prices each bank displays on its own website, read hourly; they are not official or reference rates. Machine-readable copy: Markdown https://allratestoday.com/bank-exchange-rate-api/ca.md. JSON needs an API key: https://allratestoday.com/api/v1/bank-rates/ca.

Frequently asked questions

What is the difference between a bank’s buying rate and selling rate?

Both are quoted as the local currency per one unit of the foreign currency. The buying rate is what the bank pays you when you hand it foreign currency; the selling rate is what it charges when you buy foreign currency from it. The gap between them is the bank’s spread.

Why do these rates differ from the central bank rate?

The central bank publishes one reference rate per currency per business day. Banks quote around it with a margin and refresh their boards several times a day. The central bank row is the number to use for accounting, tax and customs; the bank rows are what you would get at the counter or in the app.

How often are the bank rates updated?

AllRatesToday reads each bank’s public rates page once an hour and shows the time next to every row. Where the bank prints its own last-updated time, that is shown instead. Banks can change boards between reads, so treat every figure as indicative and confirm with the bank before a transaction.

Can I get these rates through an API?

Yes, with a free API key. The endpoint /api/v1/bank-rates/{country} returns every covered bank’s latest board as JSON, and /api/v1/bank-rates/{country}/{bank} returns one bank, optionally narrowed with ?ccy=INR. Attribution back to allratestoday.com is required.