Abu Dhabi Islamic Bank Exchange Rate API: AED Buy and Sell Rates as JSON

Abu Dhabi Islamic Bank is the largest Islamic bank in the UAE by assets. Its currency-rates page is unusual in publishing two full boards side by side: transfer buy and sell for remittances, and cash buy and sell over the counter, for about 13 currencies against the dirham. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Central Bank of the UAE official rate and with other banks in the UAE, and the calls that return them.

What the ADIB board shows

• 13 currencies against the UAE dirham: AUD, BHD, CAD, CHF, EUR, GBP, JOD, KWD, OMR, QAR, SAR, THB and USD. Every value is AED per 1 unit of the foreign currency.
• The counter board pair. The dirham is pegged at 3.6725 per US dollar, so every bank quotes USD within a fraction of a percent of the peg; the spread that matters is on the remittance currencies — INR, PKR, PHP, EGP, BDT — where bank boards differ from each other and from the central bank’s rate by a percent or more.
• USD on 13 November 2026: ADIB bought at 3.618 and sold at 3.7215 AED, a spread of 2.82%. The Central Bank of the UAE official rate was 3.6725, so the bank's mid sat -0.07% from it.
• No timestamp on the bank's page. ADIB does not print a last-updated time, so bank_updated_at is null and captured_at (when AllRatesToday read the page) is the only time available.
• Every day's board is kept permanently, from 24 September 2026. Read one past day with ?date=, or a range for one currency with the /history endpoint (paid plans).

Spreads across the board

On the 13 November 2026 board the tightest spreads were OMR (1.88%), BHD (2.46%), JOD (2.71%) and the widest THB (19.61%), CAD (11.81%), EUR (10.29%). Spread is (sell − buy) ÷ mid: what a round trip through the bank costs, before any fees. The API returns it on every row as spread_pct, so you can rank currencies or alert when a bank widens its board.

USD at ADIB and other banks in the UAE

USD on the 6 boards AllRatesToday reads in the UAE, all captured on 13 November 2026 (the Central Bank of the UAE official rate was 3.6725):

ADIB had the 5th narrowest USD spread of the 6. One call to /api/v1/bank-rates/ae returns every board in the table at once.

Get the board (REST)

You need an API key; the free key works. The full board:

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

What comes back (the 13 November 2026 board, first three rows):

{
  "bank": "adib",
  "name": "Abu Dhabi Islamic Bank",
  "country": "ae",
  "quote_ccy": "AED",
  "bank_updated_at": null,
  "basis": "Counter board",
  "captured_at": "2026-11-13T13:34:25.516Z",
  "rates": [
    {"ccy":"AUD","buy":2.4308,"sell":2.5881,"mid":2.50945,"spread_pct":6.268,"official":2.506142,"vs_official_pct":0.132},
    {"ccy":"BHD","buy":9.6096,"sell":9.8491,"mid":9.72935,"spread_pct":2.462,"official":9.738796,"vs_official_pct":-0.097},
    {"ccy":"CAD","buy":2.4326,"sell":2.7379,"mid":2.58525,"spread_pct":11.809,"official":2.579727,"vs_official_pct":0.214},
    … 10 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

One currency, with the row fields at the top level:

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

{
  "bank": "adib",
  "name": "Abu Dhabi Islamic Bank",
  "country": "ae",
  "quote_ccy": "AED",
  "bank_updated_at": null,
  "basis": "Counter board",
  "captured_at": "2026-11-13T13:34:25.516Z",
  "ccy": "USD",
  "buy": 3.618,
  "sell": 3.7215,
  "mid": 3.66975,
  "spread_pct": 2.82,
  "official": 3.6725,
  "vs_official_pct": -0.075,
  "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 Abu Dhabi Islamic Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.adib.com/en/pages/currency-rates.aspx",
    "url": "https://allratestoday.com/bank-exchange-rate-api/ae/adib/",
    "terms": "Public pages that show the rates need a visible link to allratestoday.com"
  }
}

The board as it stood on a past day:

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

One currency over a date range, one row per day (paid plans; add &format=csv, xml or xlsx for a file):

curl "https://allratestoday.com/api/v1/bank-rates/ae/adib/history?ccy=USD&from=2026-09-24&to=2026-11-13" \
  -H "Authorization: Bearer art_live_your_key"

JavaScript

npm install @allratestoday/sdk

import { AllRatesToday } from '@allratestoday/sdk';

const client = new AllRatesToday({ apiKey: 'art_live_your_key' });

// Abu Dhabi Islamic Bank's USD row
const r = await client.bankRates('ae', { bank: 'adib', ccy: 'USD' });
console.log(`ADIB buys USD at ${r.buy}, sells at ${r.sell} AED`);

// The board as it stood on a past day
const past = await client.bankRates('ae', { bank: 'adib', date: '2026-11-06' });
console.log(past.snapshot_date, past.rates.length);

Python

import requests

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

Board rate or official rate?

The Central Bank of the UAE rate is the one tax, accounting and customs rules in the UAE name; nobody transacts at it. ADIB's board is the price a customer actually gets. The API puts both on every row: official is the central bank's rate for the same currency and vs_official_pct is how far the bank's mid sits from it. Use the board to show customers a real price, compare banks for a remittance, or keep a dated record of what the bank quoted; use the Central Bank of the UAE endpoint when a rule asks for the official rate.

FAQ

Where do the Abu Dhabi Islamic Bank rates come from?

From the bank's own public rates page (https://www.adib.com/en/pages/currency-rates.aspx), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price ADIB shows, with the mid, the spread and the Central Bank of the UAE rate added.

Are these the official AED exchange rates?

No. They are ADIB's retail prices for customers. The official rate in the UAE is the Central Bank of the UAE rate, which the API returns as official on each row where the central bank has one, and in full from the central-bank endpoint.

How often is the ADIB board updated?

AllRatesToday reads the page every hour. The bank prints no timestamp, so captured_at tells you when the rates were read.

Can I get ADIB rates for a past date?

Yes, from 24 September 2026 onward; every day's board is kept permanently. Add ?date=YYYY-MM-DD for one day: the response is the board captured that day, or the nearest earlier day within five days, with date_requested and snapshot_date added. For a range, /history?ccy=USD&from=…&to=… returns one row per day as JSON, CSV, XML or XLSX on paid plans.

Do I need an API key?

Yes. Commercial bank boards need an API key; any plan works, the free key included, and each call counts against the plan. Public pages or widgets that show the rates need a visible link to allratestoday.com.