Banco de Occidente (Honduras) Exchange Rate API: HNL Buy and Sell Rates as JSON

Banco de Occidente is a large Honduran bank based in Santa Rosa de Copán. Its home page shows the buying and selling price of the US dollar in lempiras. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Banco Central de Honduras official rate and with other banks in Honduras, and the calls that return them.

What the Banco de Occidente board shows

• 1 currency against the Honduran lempira: USD. Every value is HNL per 1 unit of the foreign currency.
• The buy / sell, USD only pair. Honduran banks quote the US dollar in lempiras off the Banco Central de Honduras reference rate, so several banks print the same buying and selling price. Spreads on the dollar are well under one percent; euro spreads are much wider. The Banco Central de Honduras official rate is shown next to each row.
• USD on 15 November 2026: Banco de Occidente bought at 26.9268 and sold at 27.0614 HNL, a spread of 0.50%. The Banco Central de Honduras official rate was 26.939, so the bank's mid sat +0.20% from it.
• No timestamp on the bank's page. Banco de Occidente 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 0.50%. 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 Banco de Occidente and other banks in Honduras

USD on the 5 boards AllRatesToday reads in Honduras, all captured on 15 November 2026 (the Banco Central de Honduras official rate was 26.939):

Banco de Occidente had the 2nd narrowest USD spread of the 5. One call to /api/v1/bank-rates/hn 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/hn/occidentehn" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "occidentehn",
  "name": "Banco de Occidente (Honduras)",
  "country": "hn",
  "quote_ccy": "HNL",
  "bank_updated_at": null,
  "basis": "Buy / sell, USD only",
  "captured_at": "2026-11-15T11:53:13.041Z",
  "rates": [
    {"ccy":"USD","buy":26.9268,"sell":27.0614,"mid":26.9941,"spread_pct":0.499,"official":26.939,"vs_official_pct":0.205}
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "occidentehn",
  "name": "Banco de Occidente (Honduras)",
  "country": "hn",
  "quote_ccy": "HNL",
  "bank_updated_at": null,
  "basis": "Buy / sell, USD only",
  "captured_at": "2026-11-15T11:53:13.041Z",
  "ccy": "USD",
  "buy": 26.9268,
  "sell": 27.0614,
  "mid": 26.9941,
  "spread_pct": 0.499,
  "official": 26.939,
  "vs_official_pct": 0.205,
  "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 de Occidente (Honduras) on its own website, collected by AllRatesToday",
    "bank_url": "https://www.bancocci.hn/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/hn/occidentehn/",
    "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/hn/occidentehn?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/hn/occidentehn/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 de Occidente (Honduras)'s USD row
const r = await client.bankRates('hn', { bank: 'occidentehn', ccy: 'USD' });
console.log(`Banco de Occidente buys USD at ${r.buy}, sells at ${r.sell} HNL`);

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

FAQ

Where do the Banco de Occidente (Honduras) rates come from?

From the bank's own public rates page (https://www.bancocci.hn/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Banco de Occidente shows, with the mid, the spread and the Banco Central de Honduras rate added.

Are these the official HNL exchange rates?

No. They are Banco de Occidente's retail prices for customers. The official rate in Honduras is the Banco Central de Honduras 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 Banco de Occidente 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 Banco de Occidente 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.