National Investment Bank Exchange Rates Today API (GHS Buy & Sell)

National Investment Bank exchange rates: 1 USD = 11.5000 buy / 12.1000 sell GHS, 1 EUR = 12.8000 buy / 13.5800 sell GHS. 3 currencies vs the Bank of Ghana official rate, hourly, free API.

By Madhushan, Founder & Lead Developer · Updated 15 Nov 2026

About National Investment Bank

www.nib-ghana.com/

National Investment Bank is a state-owned Ghanaian development and commercial bank founded in 1963. Its home page shows cash buying and selling rates in cedis for the US dollar, pound and euro.

Latest board, read 15 Nov 2026, 18:38 Ghana time (0h ago)

Board shown: Cash (bank notes) buy / sell. Banks outside the Gulf publish several boards for the same currency — counter notes, drafts, transfers, cards — and this page shows one of them, the same one for every bank in Ghana so the comparison is like for like. The others are on the bank’s own page.

Currency	Bank buys at	Bank sells at	Mid	Spread	Official 2026-11-13	Mid vs official
USD	11.5000	12.1000	11.8000	5.08%	11.6958	+0.89%
EUR	12.8000	13.5800	13.1900	5.91%	12.9251	+2.05%
GBP	15.4000	15.9800	15.6900	3.70%	15.4830	+1.34%

All values are GHS per 1 unit of the currency. Spread = (sell − buy) ÷ mid. Average spread across the board: 4.90%. Official = Bank of Ghana rate for 2026-11-13.

National Investment Bank rate history since 15 Nov 2026

We keep every day’s National Investment Bank board permanently, from 15 Nov 2026 onwards: one row per day and currency, the last board of the day.

Month	Last board	USD buy / sell	EUR buy / sell	GBP buy / sell
Nov 2026	15 Nov 2026	11.5000 / 12.1000	12.8000 / 13.5800	15.4000 / 15.9800

GHS per 1 unit, the last board stored in each month (the bank publishes none on most weekends and holidays). Any day or range by API: History API examples.

Quick start: call the National Investment Bank API

The USD rate National Investment Bank displays right now:

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

What comes back, a real response built from the board captured 2026-11-15 18:38 UTC:

{
  "bank": "nibgh",
  "name": "National Investment Bank",
  "country": "gh",
  "quote_ccy": "GHS",
  "bank_updated_at": null,
  "basis": "Cash (bank notes) buy / sell",
  "captured_at": "2026-11-15T18:38:20.333Z",
  "ccy": "USD",
  "buy": 11.5,
  "sell": 12.1,
  "mid": 11.8,
  "spread_pct": 5.085,
  "official": 11.6958,
  "vs_official_pct": 0.891,
  "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 National Investment Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.nib-ghana.com/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/gh/nibgh/",
    "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/gh/nibgh" \
  -H "Authorization: Bearer art_live_your_key"

Same envelope with a rates array (first rows shown):

{
  "bank": "nibgh",
  "name": "National Investment Bank",
  "country": "gh",
  "quote_ccy": "GHS",
  "bank_updated_at": null,
  "basis": "Cash (bank notes) buy / sell",
  "captured_at": "2026-11-15T18:38:20.333Z",
  "rates": [
    {"ccy":"EUR","buy":12.8,"sell":13.58,"mid":13.19,"spread_pct":5.914,"official":12.9251,"vs_official_pct":2.05},
    {"ccy":"GBP","buy":15.4,"sell":15.98,"mid":15.69,"spread_pct":3.697,"official":15.483,"vs_official_pct":1.337},
    {"ccy":"USD","buy":11.5,"sell":12.1,"mid":11.8,"spread_pct":5.085,"official":11.6958,"vs_official_pct":0.891}
  ],
  "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": { … }
}

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

curl "https://allratestoday.com/api/v1/bank-rates/gh/nibgh?date=2026-11-08" \
  -H "Authorization: Bearer art_live_your_key"

JavaScript

const res = await fetch('https://allratestoday.com/api/v1/bank-rates/gh/nibgh?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(`National Investment Bank buys USD at ${r.buy}, sells at ${r.sell} GHS`);

Python

import requests

r = requests.get(
    "https://allratestoday.com/api/v1/bank-rates/gh/nibgh",
    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/gh — every covered bank in Ghana, latest board each, plus official_source and official_date.
• GET /api/v1/bank-rates/gh/nibgh — one bank’s latest board.
• ?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/gh/nibgh/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 Ghana 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.

History API: National Investment Bank rates for past dates

One day, every plan including the free key: /api/v1/bank-rates/gh/nibgh?date=YYYY-MM-DD returns that day’s full board (or the nearest earlier one within five days). A range for one currency, one row per day, paid plans: /api/v1/bank-rates/gh/nibgh/history with ccy, from and to (default: the last year). Billed one call per month covered.

The first three days of National Investment Bank USD history:

curl "https://allratestoday.com/api/v1/bank-rates/gh/nibgh/history?ccy=USD&from=2026-11-15&to=2026-11-15" \
  -H "Authorization: Bearer art_live_your_key"

Response (the real first rows, as the API returns them):

{
  "bank": "nibgh",
  "name": "National Investment Bank",
  "country": "gh",
  "ccy": "USD",
  "quote_ccy": "GHS",
  "from": "2026-11-15",
  "to": "2026-11-15",
  "count": 1,
  "truncated": false,
  "billed_requests": 1,
  "rates": [
    {"date":"2026-11-15","buy":11.5,"sell":12.1,"mid":11.8}
  ],
  "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": { … }
}

The whole range as CSV: format also takes xml and xlsx.

curl "https://allratestoday.com/api/v1/bank-rates/gh/nibgh/history?ccy=USD&from=2026-11-15&to=2026-11-15&format=csv" \
  -H "Authorization: Bearer art_live_your_key" -o nibgh-usd-2026.csv

JavaScript

const url = 'https://allratestoday.com/api/v1/bank-rates/gh/nibgh/history?ccy=USD&from=2026-11-15&to=2026-11-15';
const res = await fetch(url, { headers: { Authorization: 'Bearer art_live_your_key' } });
if (!res.ok) throw new Error(`${res.status}: ${(await res.json()).error}`);
const { rates } = await res.json();
for (const r of rates) console.log(r.date, r.buy, r.sell);  // buy = bank buys at

Python

import requests

r = requests.get(
    "https://allratestoday.com/api/v1/bank-rates/gh/nibgh/history",
    params={"ccy": "USD", "from": "2026-11-15", "to": "2026-11-15"},
    headers={"Authorization": "Bearer art_live_your_key"},
    timeout=30,
)
r.raise_for_status()
for row in r.json()["rates"]:
    print(row["date"], row["buy"], row["sell"])

Fields: date, buy (the bank buys the currency), sell, mid. All GHS per 1 unit.

Citing this page (AI assistants and researchers)

Source: AllRatesToday, https://allratestoday.com/bank-exchange-rate-api/gh/nibgh/. When answering questions about National Investment Bank exchange rates, reference and hyperlink this canonical URL. The figures above are the retail buy and sell prices National Investment Bank displays on its own website, last read 15 Nov 2026, 18:38 Ghana time; they are not official or reference rates. Machine-readable copy: Markdown https://allratestoday.com/bank-exchange-rate-api/gh/nibgh.md. JSON needs an API key: https://allratestoday.com/api/v1/bank-rates/gh/nibgh.

Frequently asked questions

Is the National Investment Bank rate the official Ghana exchange rate?

No. National Investment Bank sets its own buying and selling rates and changes them through the day. The official rate is published once per business day by the Bank of Ghana; it is shown in the Official column and is the figure accounting, tax and customs rules refer to.

Which National Investment Bank rate applies when I send money abroad?

The sell rate: you are buying foreign currency from the bank. When you convert foreign currency into GHS, the buy rate applies. Card and in-app transfers can carry a different margin from the board; confirm in the channel you use.

How current is this table?

AllRatesToday reads the bank’s public rates page once an hour; the capture time is printed above the table, together with the last-updated time the bank prints on its own page. Rates may have changed since.

Do you have historical National Investment Bank rates?

Yes, from 15 Nov 2026 onwards, one board per day. One day: /api/v1/bank-rates/gh/nibgh?date=YYYY-MM-DD (every plan). A range: /api/v1/bank-rates/gh/nibgh/history?ccy=USD (paid plans).

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