Bank of New Zealand Exchange Rate API: NZD Buy and Sell Rates as JSON

Bank of New Zealand is one of the country’s four major banks, a subsidiary of National Australia Bank. Its exchange rates page lists telegraphic transfer, cheque and banknote buy and sell rates for about 30 currencies, quoted per New Zealand dollar. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Reserve Bank of New Zealand official rate and with other banks in New Zealand, and the calls that return them.

What the BNZ board shows

• 26 currencies against the New Zealand dollar: AUD, BHD, CAD, CHF, DKK, EUR, FJD, GBP, HKD, INR, JPY, KWD, NOK, PGK, PHP, PKR, SBD, SEK, SGD, THB, TOP, USD, VUV, WST, XPF and ZAR. Every value is NZD per 1 unit of the foreign currency.
• The telegraphic transfer (tt) buy / sell pair. New Zealand banks quote foreign currency per 1 New Zealand dollar (for example 0.55 USD per NZD); the rates here are turned round to NZD per 1 unit of each currency so they read like every other country on this site. The pair is the international money transfer board, the rate a transfer sent or received is converted at; most NZ banks no longer exchange foreign cash. The Reserve Bank of New Zealand official rate is shown next to each row.
• USD on 15 November 2026: BNZ bought at 1.7759 and sold at 1.8471 NZD, a spread of 3.93%. The Reserve Bank of New Zealand official rate was 1.8052, so the bank's mid sat +0.35% from it.
• The bank's own timestamp. The page prints a last-updated stamp (20:05PM (New Zealand local time), 15 November 2026 on the board above), returned as bank_updated_at next to our captured_at.
• 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 USD (3.93%), HKD (4.07%), DKK (4.16%) and the widest TOP (16.70%), VUV (14.03%), SBD (13.86%). 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 BNZ and other banks in New Zealand

USD on the 3 boards AllRatesToday reads in New Zealand, all captured on 15 November 2026 (the Reserve Bank of New Zealand official rate was 1.8052):

BNZ had the 2nd narrowest USD spread of the 3. One call to /api/v1/bank-rates/nz 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/nz/bnz" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "bnz",
  "name": "Bank of New Zealand",
  "country": "nz",
  "quote_ccy": "NZD",
  "bank_updated_at": "20:05PM (New Zealand local time), 15 November 2026",
  "basis": "Telegraphic transfer (TT) buy / sell",
  "captured_at": "2026-11-15T11:22:42.753Z",
  "rates": [
    {"ccy":"AUD","buy":1.2019231,"sell":1.2721028,"mid":1.237013,"spread_pct":5.673,"official":1.2275210212974896,"vs_official_pct":0.773},
    {"ccy":"BHD","buy":4.6750818,"sell":4.9261084,"mid":4.8005951,"spread_pct":5.229,"official":null,"vs_official_pct":null},
    {"ccy":"CAD","buy":1.2425447,"sell":1.2990387,"mid":1.2707917,"spread_pct":4.446,"official":1.2659029052471675,"vs_official_pct":0.386},
    … 23 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "bnz",
  "name": "Bank of New Zealand",
  "country": "nz",
  "quote_ccy": "NZD",
  "bank_updated_at": "20:05PM (New Zealand local time), 15 November 2026",
  "basis": "Telegraphic transfer (TT) buy / sell",
  "captured_at": "2026-11-15T11:22:42.753Z",
  "ccy": "USD",
  "buy": 1.7758835,
  "sell": 1.8470632,
  "mid": 1.8114733,
  "spread_pct": 3.929,
  "official": 1.8052170773535516,
  "vs_official_pct": 0.347,
  "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 of New Zealand on its own website, collected by AllRatesToday",
    "bank_url": "https://www.bnz.co.nz/personal-banking/international/exchange-rates",
    "url": "https://allratestoday.com/bank-exchange-rate-api/nz/bnz/",
    "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/nz/bnz?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/nz/bnz/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' });

// Bank of New Zealand's USD row
const r = await client.bankRates('nz', { bank: 'bnz', ccy: 'USD' });
console.log(`BNZ buys USD at ${r.buy}, sells at ${r.sell} NZD`);

// The board as it stood on a past day
const past = await client.bankRates('nz', { bank: 'bnz', 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/nz/bnz",
    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 Reserve Bank of New Zealand rate is the one tax, accounting and customs rules in New Zealand name; nobody transacts at it. BNZ'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 Reserve Bank of New Zealand endpoint when a rule asks for the official rate.

FAQ

Where do the Bank of New Zealand rates come from?

From the bank's own public rates page (https://www.bnz.co.nz/personal-banking/international/exchange-rates), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price BNZ shows, with the mid, the spread and the Reserve Bank of New Zealand rate added.

Are these the official NZD exchange rates?

No. They are BNZ's retail prices for customers. The official rate in New Zealand is the Reserve Bank of New Zealand 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 BNZ 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 BNZ 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.