China Bank Exchange Rates Today: Bank of China vs Central Bank
Buy and sell exchange rates from Bank of China for 34 currencies, bank by bank, next to the People’s Bank of China official rate. Updated hourly, free JSON API.
USD / 
CNY exchange rates
21 Oct 2026
CNY per 1 USD. Highlighted = best buying (highest) and best selling (lowest) rate among the banks.
| Bank | Last updated | Selling | Buying | |
|---|---|---|---|---|
 People’s Bank of ChinaOfficial reference rate | 2026-10-20 | 6.7200 official | View | |
 Bank of ChinaBank of China | 2026/10/21 07:44:32 (Beijing) | 6.6954 | 6.6673 | 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 People’s Bank of China official rate.
Banks in China
About these rates
The People’s Bank of China sets a daily central parity for the yuan, but the rate a customer gets is a bank’s board, and Bank of China’s is the one most quoted. Chinese banks publish spot-exchange (transfer) and cash columns, quoted per 100 units of foreign currency; the pair here is spot exchange, shown per 1 unit.
Free JSON API
Keyless and CORS-open, refreshed with every read. Attribution back to allratestoday.com is the only condition.
# Every covered bank in this country, latest board
curl "https://allratestoday.com/api/open/bank-rates/cn"
# One bank, one currency
curl "https://allratestoday.com/api/open/bank-rates/cn/boccn?ccy=INR"{
"bank": "boccn", "name": "Bank of China", "quote_ccy": "CNY",
"captured_at": "2026-09-22T16:11:18.000Z",
"bank_updated_at": "the bank's own stamp, where its page prints one",
"basis": "which board these rates are, e.g. telegraphic transfer",
"ccy": "USD", "buy": …, "sell": …, "mid": …,
"spread_pct": …, "official": …, "vs_official_pct": …,
"disclaimer": "Retail buy/sell rates as displayed on each bank's own website …"
}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. The keyless endpoint /api/open/bank-rates/{country} returns every covered bank’s latest board as JSON, and /api/open/bank-rates/{country}/{bank} returns one bank, optionally narrowed with ?ccy=INR. Attribution back to allratestoday.com is the only condition.