Bank Multiarta Sentosa Exchange Rate API: IDR Buy and Sell Rates as JSON

Bank Multiarta Sentosa (Bank MAS) is a Jakarta-based Indonesian commercial bank listed on the Indonesia Stock Exchange. Its home page lists counter (TT) and bank-note buying and selling rates for 7 currencies against the rupiah; the counter rates are shown here. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bank Indonesia official rate and with other banks in Indonesia, and the calls that return them.

What the Bank MAS board shows

• 7 currencies against the Indonesian rupiah: AUD, CNY, EUR, HKD, JPY, SGD and USD. Every value is IDR per 1 unit of the foreign currency.
• The counter rate (tt) pair. Indonesian banks quote three boards at once: an e-Rate for online transactions, a TT counter rate for branch telegraphic transfers, and bank notes for cash. The pair here is the TT counter rate. Bank Indonesia’s JISDOR is a reference calculated from interbank transactions rather than a counter price, so it sits inside every bank’s spread.
• USD on 15 November 2026: Bank MAS bought at 18160 and sold at 18340 IDR, a spread of 0.99%. The Bank Indonesia official rate was 18332.21, so the bank's mid sat -0.45% from it.
• The bank's own timestamp. The page prints a last-updated stamp (2026-11-13 08:39:42 WIB on the board above), returned as bank_updated_at next to our captured_at.
• Every day's board is kept permanently, from 13 November 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 15 November 2026 board the tightest spreads were USD (0.99%), HKD (1.07%), CNY (1.57%) and the widest AUD (3.35%), JPY (2.43%), EUR (2.16%). 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 Bank MAS and other banks in Indonesia

USD on the 27 boards AllRatesToday reads in Indonesia, all captured on 15 November 2026 (the Bank Indonesia official rate was 18332.21):

Bank MAS had the 9th narrowest USD spread of the 27. One call to /api/v1/bank-rates/id 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/id/bankmas" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "bankmas",
  "name": "Bank Multiarta Sentosa",
  "country": "id",
  "quote_ccy": "IDR",
  "bank_updated_at": "2026-11-13 08:39:42 WIB",
  "basis": "Counter rate (TT)",
  "captured_at": "2026-11-15T11:30:42.659Z",
  "rates": [
    {"ccy":"AUD","buy":12212,"sell":12628,"mid":12420,"spread_pct":3.349,"official":12511.73,"vs_official_pct":-0.733},
    {"ccy":"CNY","buy":2715,"sell":2758,"mid":2736.5,"spread_pct":1.571,"official":2749.08,"vs_official_pct":-0.458},
    {"ccy":"EUR","buy":19976,"sell":20412,"mid":20194,"spread_pct":2.159,"official":20323.09,"vs_official_pct":-0.635},
    … 4 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "bankmas",
  "name": "Bank Multiarta Sentosa",
  "country": "id",
  "quote_ccy": "IDR",
  "bank_updated_at": "2026-11-13 08:39:42 WIB",
  "basis": "Counter rate (TT)",
  "captured_at": "2026-11-15T11:30:42.659Z",
  "ccy": "USD",
  "buy": 18160,
  "sell": 18340,
  "mid": 18250,
  "spread_pct": 0.986,
  "official": 18332.21,
  "vs_official_pct": -0.448,
  "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 Bank Multiarta Sentosa on its own website, collected by AllRatesToday",
    "bank_url": "https://www.bankmas.co.id/id/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/id/bankmas/",
    "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/id/bankmas?date=2026-11-13" \
  -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/id/bankmas/history?ccy=USD&from=2026-11-13&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' });

// Bank Multiarta Sentosa's USD row
const r = await client.bankRates('id', { bank: 'bankmas', ccy: 'USD' });
console.log(`Bank MAS buys USD at ${r.buy}, sells at ${r.sell} IDR`);

// The board as it stood on a past day
const past = await client.bankRates('id', { bank: 'bankmas', date: '2026-11-13' });
console.log(past.snapshot_date, past.rates.length);

Python

import requests

r = requests.get(
    "https://allratestoday.com/api/v1/bank-rates/id/bankmas",
    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 Bank Indonesia rate is the one tax, accounting and customs rules in Indonesia name; nobody transacts at it. Bank MAS'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 Bank Indonesia endpoint when a rule asks for the official rate.

FAQ

Where do the Bank Multiarta Sentosa rates come from?

From the bank's own public rates page (https://www.bankmas.co.id/id/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Bank MAS shows, with the mid, the spread and the Bank Indonesia rate added.

Are these the official IDR exchange rates?

No. They are Bank MAS's retail prices for customers. The official rate in Indonesia is the Bank Indonesia 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 Bank MAS board updated?

AllRatesToday reads the page every hour. The bank's own last-updated stamp is returned as bank_updated_at, so you can tell a fresh read of an unchanged board from a new board.

Can I get Bank MAS rates for a past date?

Yes, from 13 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.