---
title: "Atos bank Exchange Rate API: BAM Buy and Sell Rates as JSON"
description: "Atos bank's devize (non-cash) buy / sell rates for 7 currencies against the Bosnia and Herzegovina convertible mark, read hourly from the bank's own page and served as JSON with the Central Bank of Bosnia and Herzegovina official rate alongside. REST, JavaScript and Python examples."
canonical: https://allratestoday.com/blog/atos-bank-exchange-rate-api/
source: AllRatesToday (https://allratestoday.com/) — Markdown mirror of the page above; index of all pages at https://allratestoday.com/llms.txt
generated: 2026-11-15T19:12:14.177Z
---

Atos bank is a commercial bank headquartered in Banja Luka. Its daily exchange list gives cash and non-cash (devize) buy and sell rates in convertible marks. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Central Bank of Bosnia and Herzegovina official rate and with other banks in Bosnia and Herzegovina, and the calls that return them.

## What the Atos bank board shows

- **7 currencies against the Bosnia and Herzegovina convertible mark**: AUD, CAD, CHF, EUR, GBP, RSD and USD. Every value is BAM per 1 unit of the foreign currency.
- **The devize (non-cash) buy / sell pair.** The convertible mark is pegged to the euro at 1.95583 under a currency board, so banks quote the euro at or very near that rate and set wider buying and selling rates for other currencies. Banks publish one list for account (non-cash) transactions and another for cash. The Central Bank of Bosnia and Herzegovina official rate is shown next to each row.
- **USD on 15 November 2026**: Atos bank bought at 1.7298 and sold at 1.8095 BAM, a spread of 4.50%. The Central Bank of Bosnia and Herzegovina official rate was 1.7694, so the bank's mid sat +0.01% from it.
- **No timestamp on the bank's page.** Atos bank 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 15 November 2026, the day collection started.** Read one past day with `?date=`, or a range for one currency with the `/history` endpoint (paid plans).

## Spreads across the board

On the 15 November 2026 board the tightest spreads were EUR (0.00%), USD (4.50%), CHF (4.60%) and the widest CAD (5.60%), AUD (5.54%), RSD (5.00%). 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 Atos bank and other banks in Bosnia and Herzegovina

USD on the 10 boards AllRatesToday reads in Bosnia and Herzegovina, all captured on 15 November 2026 (the Central Bank of Bosnia and Herzegovina official rate was 1.7694):

| Bank | Buy | Sell | Spread | Mid vs official |
| --- | --- | --- | --- | --- |
| Raiffeisen Bank Bosnia and Herzegovina | 1.7077 | 1.8316 | 7.00% | +0.01% |
| UniCredit Bank (Bosnia and Herzegovina) | 1.7077 | 1.8316 | 7.00% | +0.01% |
| Intesa Sanpaolo Banka Bosna i Hercegovina | 1.7068 | 1.825 | 6.70% | -0.20% |
| NLB Banka Banja Luka | 1.7167 | 1.8229 | 6.00% | +0.02% |
| Sparkasse Bank BiH | 1.7431 | 1.7962 | 3.00% | +0.01% |
| ASA Banka | 1.7103 | 1.8215 | 6.30% | -0.20% |
| Nova banka | 1.7166 | 1.8139 | 5.51% | -0.24% |
| **Atos bank** | 1.7298 | 1.8095 | 4.50% | +0.01% |
| Union banka | 1.7113 | 1.8281 | 6.60% | +0.01% |
| ProCredit Bank BiH | 1.7166 | 1.8157 | 5.61% | -0.19% |

Atos bank had the 2nd narrowest USD spread of the 10. One call to `/api/v1/bank-rates/ba` returns every board in the table at once.

## Get the board (REST)

You need an API key; the [free key](https://allratestoday.com/register/) works. The full board:

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

What comes back (the 15 November 2026 board, first three rows):

```
{
  "bank": "atosbank",
  "name": "Atos bank",
  "country": "ba",
  "quote_ccy": "BAM",
  "bank_updated_at": null,
  "basis": "Devize (non-cash) buy / sell",
  "captured_at": "2026-11-15T11:38:00.373Z",
  "rates": [
    {"ccy":"AUD","buy":1.179166,"sell":1.24641,"mid":1.212788,"spread_pct":5.545,"official":1.206894,"vs_official_pct":0.488},
    {"ccy":"CAD","buy":1.206413,"sell":1.275919,"mid":1.241166,"spread_pct":5.6,"official":1.241826,"vs_official_pct":-0.053},
    {"ccy":"CHF","buy":2.062212,"sell":2.159308,"mid":2.11076,"spread_pct":4.6,"official":2.123829,"vs_official_pct":-0.615},
    … 4 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}
```

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

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

```
{
  "bank": "atosbank",
  "name": "Atos bank",
  "country": "ba",
  "quote_ccy": "BAM",
  "bank_updated_at": null,
  "basis": "Devize (non-cash) buy / sell",
  "captured_at": "2026-11-15T11:38:00.373Z",
  "ccy": "USD",
  "buy": 1.729845,
  "sell": 1.809479,
  "mid": 1.769662,
  "spread_pct": 4.5,
  "official": 1.769443,
  "vs_official_pct": 0.012,
  "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 Atos bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.atosbank.ba/kursnalista/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/ba/atosbank/",
    "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/ba/atosbank?date=2026-11-15" \
  -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/ba/atosbank/history?ccy=USD&from=2026-11-15&to=2026-11-15" \
  -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' });

// Atos bank's USD row
const r = await client.bankRates('ba', { bank: 'atosbank', ccy: 'USD' });
console.log(`Atos bank buys USD at ${r.buy}, sells at ${r.sell} BAM`);

// The board as it stood on a past day
const past = await client.bankRates('ba', { bank: 'atosbank', date: '2026-11-15' });
console.log(past.snapshot_date, past.rates.length);
```

## Python

```
import requests

r = requests.get(
    "https://allratestoday.com/api/v1/bank-rates/ba/atosbank",
    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 Bosnia and Herzegovina rate is the one tax, accounting and customs rules in Bosnia and Herzegovina name; nobody transacts at it. Atos bank'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 Bosnia and Herzegovina endpoint](https://allratestoday.com/central-bank-rates-api/cbbh/) when a rule asks for the official rate.

## FAQ

### Where do the Atos bank rates come from?

From the bank's own public rates page (https://www.atosbank.ba/kursnalista/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Atos bank shows, with the mid, the spread and the Central Bank of Bosnia and Herzegovina rate added.

### Are these the official BAM exchange rates?

No. They are Atos bank's retail prices for customers. The official rate in Bosnia and Herzegovina is the Central Bank of Bosnia and Herzegovina 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 Atos bank 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 Atos bank rates for a past date?

Yes, from 15 November 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.

## Atos bank rates, as JSON

Free API key, hourly board captures, the official rate alongside.

 [Get your free API key](https://allratestoday.com/register/)

## Related

- [Atos bank live board rates](https://allratestoday.com/bank-exchange-rate-api/ba/atosbank/)
- [All banks in Bosnia and Herzegovina side by side](https://allratestoday.com/bank-exchange-rate-api/ba/)
- [Central Bank of Bosnia and Herzegovina official rates API](https://allratestoday.com/central-bank-rates-api/cbbh/)
- [Raiffeisen Bank Bosnia and Herzegovina exchange rate API guide](https://allratestoday.com/blog/raiffeisen-bank-bosnia-and-herzegovina-exchange-rate-api/)
- [UniCredit Bank (Bosnia and Herzegovina) exchange rate API guide](https://allratestoday.com/blog/unicredit-bank-bosnia-and-herzegovina-exchange-rate-api/)
- [Intesa Sanpaolo Banka Bosna i Hercegovina exchange rate API guide](https://allratestoday.com/blog/intesa-sanpaolo-banka-bosna-i-hercegovina-exchange-rate-api/)
- [NLB Banka Banja Luka exchange rate API guide](https://allratestoday.com/blog/nlb-banka-banja-luka-exchange-rate-api/)
- [Sparkasse Bank BiH exchange rate API guide](https://allratestoday.com/blog/sparkasse-bank-bih-exchange-rate-api/)
- [ASA Banka exchange rate API guide](https://allratestoday.com/blog/asa-banka-exchange-rate-api/)
- [Nova banka exchange rate API guide](https://allratestoday.com/blog/nova-banka-exchange-rate-api/)
- [Union banka exchange rate API guide](https://allratestoday.com/blog/union-banka-exchange-rate-api/)
- [ProCredit Bank BiH exchange rate API guide](https://allratestoday.com/blog/procredit-bank-bih-exchange-rate-api/)
- [Every bank exchange rate API guide, by country](https://allratestoday.com/blog/bank-exchange-rate-api-guides/)
- [Commercial bank rates API: every bank and country](https://allratestoday.com/bank-exchange-rate-api/)