Banco CHN (Crédito Hipotecario Nacional) Exchange Rate API: GTQ Buy and Sell Rates as JSON

Crédito Hipotecario Nacional (CHN) is a Guatemalan state-owned bank. Its home page lists cash, document and online-banking buying and selling prices for the US dollar. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Banco de Guatemala official rate and with other banks in Guatemala, and the calls that return them.

What the CHN board shows

• 1 currency against the Guatemalan quetzal: USD. Every value is GTQ per 1 unit of the foreign currency.
• The online banking buy / sell, USD only pair. Guatemalan banks post a buying and selling price in quetzales per US dollar. The Banco de Guatemala publishes a daily reference rate. The Banco de Guatemala official rate is shown next to each row.
• USD on 15 November 2026: CHN bought at 7.48 and sold at 7.79 GTQ, a spread of 4.06%. The Banco de Guatemala official rate was 7.6431, so the bank's mid sat -0.11% from it.
• No timestamp on the bank's page. CHN 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 spread was USD 4.06%. 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 CHN and other banks in Guatemala

USD on the 4 boards AllRatesToday reads in Guatemala, all captured on 15 November 2026 (the Banco de Guatemala official rate was 7.6431):

CHN had the narrowest USD spread of the 4. One call to /api/v1/bank-rates/gt 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/gt/chngt" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "chngt",
  "name": "Banco CHN (Crédito Hipotecario Nacional)",
  "country": "gt",
  "quote_ccy": "GTQ",
  "bank_updated_at": null,
  "basis": "Online banking buy / sell, USD only",
  "captured_at": "2026-11-15T11:23:01.237Z",
  "rates": [
    {"ccy":"USD","buy":7.48,"sell":7.79,"mid":7.635,"spread_pct":4.06,"official":7.64312,"vs_official_pct":-0.106}
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "chngt",
  "name": "Banco CHN (Crédito Hipotecario Nacional)",
  "country": "gt",
  "quote_ccy": "GTQ",
  "bank_updated_at": null,
  "basis": "Online banking buy / sell, USD only",
  "captured_at": "2026-11-15T11:23:01.237Z",
  "ccy": "USD",
  "buy": 7.48,
  "sell": 7.79,
  "mid": 7.635,
  "spread_pct": 4.06,
  "official": 7.64312,
  "vs_official_pct": -0.106,
  "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 Banco CHN (Crédito Hipotecario Nacional) on its own website, collected by AllRatesToday",
    "bank_url": "https://www.chn.com.gt/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/gt/chngt/",
    "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/gt/chngt?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/gt/chngt/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' });

// Banco CHN (Crédito Hipotecario Nacional)'s USD row
const r = await client.bankRates('gt', { bank: 'chngt', ccy: 'USD' });
console.log(`CHN buys USD at ${r.buy}, sells at ${r.sell} GTQ`);

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

FAQ

Where do the Banco CHN (Crédito Hipotecario Nacional) rates come from?

From the bank's own public rates page (https://www.chn.com.gt/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price CHN shows, with the mid, the spread and the Banco de Guatemala rate added.

Are these the official GTQ exchange rates?

No. They are CHN's retail prices for customers. The official rate in Guatemala is the Banco de Guatemala 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 CHN 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 CHN 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.