ACBA Bank Exchange Rate API: AMD Buy and Sell Rates as JSON

ACBA Bank grew out of Armenia’s agricultural credit co-operatives and is now a universal retail bank. Its board is deliberately short: buy and sell for six currencies, shown next to the Central Bank of Armenia’s own rate for the same day. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Central Bank of Armenia official rate and with other banks in Armenia, and the calls that return them.

What the ACBA board shows

• 6 currencies against the Armenian dram: CHF, EUR, GBP, GEL, RUB and USD. Every value is AMD per 1 unit of the foreign currency.
• The cash pair. Armenian banks quote separate cash and non-cash boards and move them through the day; the pair here is the cash board, the rate quoted in branches and at exchange points. The Central Bank of Armenia publishes one averaged rate per day, which is what tax and accounting use.
• USD on 13 November 2026: ACBA bought at 358 and sold at 362.5 AMD, a spread of 1.25%. The Central Bank of Armenia official rate was 360.54, so the bank's mid sat -0.08% from it.
• No timestamp on the bank's page. ACBA 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 USD (1.25%), EUR (2.75%), GBP (4.19%) and the widest GEL (7.09%), RUB (6.75%), CHF (4.63%). 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 ACBA and other banks in Armenia

USD on the 5 boards AllRatesToday reads in Armenia, all captured on 13 November 2026 (the Central Bank of Armenia official rate was 360.54):

ACBA had the 3rd narrowest USD spread of the 5. One call to /api/v1/bank-rates/am 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/am/acba" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "acba",
  "name": "ACBA Bank",
  "country": "am",
  "quote_ccy": "AMD",
  "bank_updated_at": null,
  "basis": "Cash",
  "captured_at": "2026-11-13T13:35:25.571Z",
  "rates": [
    {"ccy":"CHF","buy":422,"sell":442,"mid":432,"spread_pct":4.63,"official":430.5,"vs_official_pct":0.348},
    {"ccy":"EUR","buy":394,"sell":405,"mid":399.5,"spread_pct":2.753,"official":398.4,"vs_official_pct":0.276},
    {"ccy":"GBP","buy":467,"sell":487,"mid":477,"spread_pct":4.193,"official":476.81,"vs_official_pct":0.04},
    … 3 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "acba",
  "name": "ACBA Bank",
  "country": "am",
  "quote_ccy": "AMD",
  "bank_updated_at": null,
  "basis": "Cash",
  "captured_at": "2026-11-13T13:35:25.571Z",
  "ccy": "USD",
  "buy": 358,
  "sell": 362.5,
  "mid": 360.25,
  "spread_pct": 1.249,
  "official": 360.54,
  "vs_official_pct": -0.08,
  "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 ACBA Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.acba.am/en/exchange-rates",
    "url": "https://allratestoday.com/bank-exchange-rate-api/am/acba/",
    "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/am/acba?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/am/acba/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' });

// ACBA Bank's USD row
const r = await client.bankRates('am', { bank: 'acba', ccy: 'USD' });
console.log(`ACBA buys USD at ${r.buy}, sells at ${r.sell} AMD`);

// The board as it stood on a past day
const past = await client.bankRates('am', { bank: 'acba', 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/am/acba",
    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 Armenia rate is the one tax, accounting and customs rules in Armenia name; nobody transacts at it. ACBA'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 Armenia endpoint when a rule asks for the official rate.

FAQ

Where do the ACBA Bank rates come from?

From the bank's own public rates page (https://www.acba.am/en/exchange-rates), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price ACBA shows, with the mid, the spread and the Central Bank of Armenia rate added.

Are these the official AMD exchange rates?

No. They are ACBA's retail prices for customers. The official rate in Armenia is the Central Bank of Armenia 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 ACBA 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 ACBA 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.