---
title: "Banco Ficohsa Nicaragua Exchange Rate API: NIO Buy and Sell Rates as JSON"
description: "Banco Ficohsa Nicaragua's buy / sell rates for 2 currencies against the Nicaraguan córdoba, read hourly from the bank's own page and served as JSON with the Banco Central de Nicaragua official rate alongside. REST, JavaScript and Python examples."
canonical: https://allratestoday.com/blog/banco-ficohsa-nicaragua-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: 2026-11-15T19:14:00.672Z
---

Banco Ficohsa Nicaragua is the Nicaraguan bank of the Ficohsa group. Its home page lists buying and selling prices for the US dollar and the euro in córdobas. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Banco Central de Nicaragua official rate and with other banks in Nicaragua, and the calls that return them.

## What the Ficohsa board shows

- **2 currencies against the Nicaraguan córdoba**: EUR and USD. Every value is NIO per 1 unit of the foreign currency.
- **The buy / sell pair.** Nicaraguan banks post a buying and selling price in córdobas per US dollar, a little either side of the Banco Central de Nicaragua official rate, and some also quote the euro. The Banco Central de Nicaragua official rate is shown next to each row.
- **USD on 15 November 2026**: Ficohsa bought at 36.35 and sold at 37.15 NIO, a spread of 2.18%. The Banco Central de Nicaragua official rate was 36.6243, so the bank's mid sat +0.34% from it.
- **No timestamp on the bank's page.** Ficohsa 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 spreads were USD 2.18%, EUR 13.27%. 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 Ficohsa and other banks in Nicaragua

USD on the 4 boards AllRatesToday reads in Nicaragua, all captured on 15 November 2026 (the Banco Central de Nicaragua official rate was 36.6243):

| Bank | Buy | Sell | Spread | Mid vs official |
| --- | --- | --- | --- | --- |
| **Banco Ficohsa Nicaragua** | 36.35 | 37.15 | 2.18% | +0.34% |
| Avanz | 36.35 | 37.17 | 2.23% | +0.37% |
| Banpro Grupo Promerica | 36.2 | 37.14 | 2.56% | +0.13% |
| Banco LAFISE Bancentro (Nicaragua) | 36.45 | 37.18 | 1.98% | +0.52% |

Ficohsa had the 2nd narrowest USD spread of the 4. One call to `/api/v1/bank-rates/ni` 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/ni/ficohsani" \
  -H "Authorization: Bearer art_live_your_key"
```

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

```
{
  "bank": "ficohsani",
  "name": "Banco Ficohsa Nicaragua",
  "country": "ni",
  "quote_ccy": "NIO",
  "bank_updated_at": null,
  "basis": "Buy / sell",
  "captured_at": "2026-11-15T11:37:44.883Z",
  "rates": [
    {"ccy":"EUR","buy":38.646,"sell":44.1396,"mid":41.3928,"spread_pct":13.272,"official":null,"vs_official_pct":null},
    {"ccy":"USD","buy":36.35,"sell":37.15,"mid":36.75,"spread_pct":2.177,"official":36.6243,"vs_official_pct":0.343}
  ],
  "disclaimer": "…",
  "attribution": { … }
}
```

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

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

```
{
  "bank": "ficohsani",
  "name": "Banco Ficohsa Nicaragua",
  "country": "ni",
  "quote_ccy": "NIO",
  "bank_updated_at": null,
  "basis": "Buy / sell",
  "captured_at": "2026-11-15T11:37:44.883Z",
  "ccy": "USD",
  "buy": 36.35,
  "sell": 37.15,
  "mid": 36.75,
  "spread_pct": 2.177,
  "official": 36.6243,
  "vs_official_pct": 0.343,
  "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 Ficohsa Nicaragua on its own website, collected by AllRatesToday",
    "bank_url": "https://www.ficohsa.com/ni/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/ni/ficohsani/",
    "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/ni/ficohsani?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/ni/ficohsani/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 Ficohsa Nicaragua's USD row
const r = await client.bankRates('ni', { bank: 'ficohsani', ccy: 'USD' });
console.log(`Ficohsa buys USD at ${r.buy}, sells at ${r.sell} NIO`);

// The board as it stood on a past day
const past = await client.bankRates('ni', { bank: 'ficohsani', 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/ni/ficohsani",
    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 Nicaragua rate is the one tax, accounting and customs rules in Nicaragua name; nobody transacts at it. Ficohsa'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 Nicaragua endpoint](https://allratestoday.com/central-bank-rates-api/bcn/) when a rule asks for the official rate.

## FAQ

### Where do the Banco Ficohsa Nicaragua rates come from?

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

### Are these the official NIO exchange rates?

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

## Banco Ficohsa Nicaragua rates, as JSON

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

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

## Related

- [Banco Ficohsa Nicaragua live board rates](https://allratestoday.com/bank-exchange-rate-api/ni/ficohsani/)
- [All banks in Nicaragua side by side](https://allratestoday.com/bank-exchange-rate-api/ni/)
- [Banco Central de Nicaragua official rates API](https://allratestoday.com/central-bank-rates-api/bcn/)
- [Avanz exchange rate API guide](https://allratestoday.com/blog/avanz-exchange-rate-api/)
- [Banpro Grupo Promerica exchange rate API guide](https://allratestoday.com/blog/banpro-grupo-promerica-exchange-rate-api/)
- [Banco LAFISE Bancentro (Nicaragua) exchange rate API guide](https://allratestoday.com/blog/banco-lafise-bancentro-nicaragua-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/)