--- title: "Banka Credins Exchange Rate API: ALL Buy and Sell Rates as JSON" description: "Banka Credins's branch exchange buy / sell rates for 7 currencies against the Albanian lek, read hourly from the bank's own page and served as JSON with the Bank of Albania official rate alongside. REST, JavaScript and Python examples." canonical: https://allratestoday.com/blog/banka-credins-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: 2026-11-15T19:21:50.123Z --- Banka Credins is an Albanian-owned bank based in Tirana. Its homepage lists lek buying and selling rates for EUR, USD, GBP, CAD, CHF, AUD, JPY and CNY. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bank of Albania official rate and with other banks in Albania, and the calls that return them. ## What the Credins board shows - **7 currencies against the Albanian lek**: AUD, CAD, CHF, EUR, GBP, JPY and USD. Every value is ALL per 1 unit of the foreign currency. - **The branch exchange buy / sell pair.** The lek floats; banks post branch buy and sell rates in leke per unit of EUR, USD, GBP and CHF, often rounded to 0.05 or whole leke, with spreads of 1-7% and wider on minor currencies. The Bank of Albania official rate is shown next to each row. - **USD on 15 November 2026**: Credins bought at 80 and sold at 85 ALL, a spread of 6.06%. The Bank of Albania official rate was 82.06, so the bank's mid sat +0.54% from it. - **The bank's own timestamp.** The page prints a last-updated stamp (`2026-11-13` 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 GBP (4.61%), CHF (5.10%), EUR (5.48%) and the widest JPY (11.72%), AUD (8.99%), CAD (8.70%). 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 Credins and other banks in Albania USD on the 6 boards AllRatesToday reads in Albania, all captured on 15 November 2026 (the Bank of Albania official rate was 82.06): | Bank | Buy | Sell | Spread | Mid vs official | | --- | --- | --- | --- | --- | | BKT (Banka Kombëtare Tregtare) | 81 | 83 | 2.44% | -0.07% | | Raiffeisen Bank Albania | 79 | 85 | 7.32% | -0.07% | | **Banka Credins** | 80 | 85 | 6.06% | +0.54% | | ProCredit Bank Albania | 80.8 | 83.25 | 2.99% | -0.04% | | United Bank of Albania | 80 | 84 | 4.88% | -0.07% | | Union Bank (Albania) | 79.6 | 84.52 | 6.00% | 0.00% | Credins had the 5th narrowest USD spread of the 6. One call to `/api/v1/bank-rates/al` 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/al/credins" \ -H "Authorization: Bearer art_live_your_key" ``` What comes back (the 15 November 2026 board, first three rows): ``` { "bank": "credins", "name": "Banka Credins", "country": "al", "quote_ccy": "ALL", "bank_updated_at": "2026-11-13", "basis": "Branch exchange buy / sell", "captured_at": "2026-11-15T11:30:26.724Z", "rates": [ {"ccy":"AUD","buy":53.1,"sell":58.1,"mid":55.6,"spread_pct":8.993,"official":55.74,"vs_official_pct":-0.251}, {"ccy":"CAD","buy":55,"sell":60,"mid":57.5,"spread_pct":8.696,"official":57.54,"vs_official_pct":-0.07}, {"ccy":"CHF","buy":95.6,"sell":100.6,"mid":98.1,"spread_pct":5.097,"official":98.02,"vs_official_pct":0.082}, … 4 more currencies ], "disclaimer": "…", "attribution": { … } } ``` One currency, with the row fields at the top level: ``` curl "https://allratestoday.com/api/v1/bank-rates/al/credins?ccy=USD" \ -H "Authorization: Bearer art_live_your_key" ``` ``` { "bank": "credins", "name": "Banka Credins", "country": "al", "quote_ccy": "ALL", "bank_updated_at": "2026-11-13", "basis": "Branch exchange buy / sell", "captured_at": "2026-11-15T11:30:26.724Z", "ccy": "USD", "buy": 80, "sell": 85, "mid": 82.5, "spread_pct": 6.061, "official": 82.06, "vs_official_pct": 0.536, "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 Banka Credins on its own website, collected by AllRatesToday", "bank_url": "https://www.bankacredins.com/", "url": "https://allratestoday.com/bank-exchange-rate-api/al/credins/", "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/al/credins?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/al/credins/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' }); // Banka Credins's USD row const r = await client.bankRates('al', { bank: 'credins', ccy: 'USD' }); console.log(`Credins buys USD at ${r.buy}, sells at ${r.sell} ALL`); // The board as it stood on a past day const past = await client.bankRates('al', { bank: 'credins', 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/al/credins", 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 of Albania rate is the one tax, accounting and customs rules in Albania name; nobody transacts at it. Credins'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 of Albania endpoint](https://allratestoday.com/central-bank-rates-api/boa/) when a rule asks for the official rate. ## FAQ ### Where do the Banka Credins rates come from? From the bank's own public rates page (https://www.bankacredins.com/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Credins shows, with the mid, the spread and the Bank of Albania rate added. ### Are these the official ALL exchange rates? No. They are Credins's retail prices for customers. The official rate in Albania is the Bank of Albania 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 Credins 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 Credins 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. ## Banka Credins rates, as JSON Free API key, hourly board captures, the official rate alongside. [Get your free API key](https://allratestoday.com/register/) ## Related - [Banka Credins live board rates](https://allratestoday.com/bank-exchange-rate-api/al/credins/) - [All banks in Albania side by side](https://allratestoday.com/bank-exchange-rate-api/al/) - [Bank of Albania official rates API](https://allratestoday.com/central-bank-rates-api/boa/) - [BKT (Banka Kombëtare Tregtare) exchange rate API guide](https://allratestoday.com/blog/bkt-banka-kombetare-tregtare-exchange-rate-api/) - [Raiffeisen Bank Albania exchange rate API guide](https://allratestoday.com/blog/raiffeisen-bank-albania-exchange-rate-api/) - [ProCredit Bank Albania exchange rate API guide](https://allratestoday.com/blog/procredit-bank-albania-exchange-rate-api/) - [United Bank of Albania exchange rate API guide](https://allratestoday.com/blog/united-bank-of-albania-exchange-rate-api/) - [Union Bank (Albania) exchange rate API guide](https://allratestoday.com/blog/union-bank-albania-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/)