Banque Nationale de Crédit (BNC Haïti) Exchange Rate API: HTG Buy and Sell Rates as JSON

Banque Nationale de Crédit is a Haitian state-owned commercial bank. Its home page lists the dated buying and selling price of the US dollar in gourdes, next to the central bank reference rate. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Banque de la République d’Haïti official rate and with other banks in Haiti, and the calls that return them.

What the BNC board shows

• 1 currency against the Haitian gourde: USD. Every value is HTG per 1 unit of the foreign currency.
• The branch buy / sell, smallest USD tranche pair. Haitian banks quote gourdes per US dollar by amount tranche, with separate branch and online prices. The Banque de la République d’Haïti publishes a daily reference rate. The Banque de la République d’Haïti official rate is shown next to each row.
• USD on 15 November 2026: BNC bought at 129.25 and sold at 131.75 HTG, a spread of 1.92%. The Banque de la République d’Haïti official rate was 131.73, so the bank's mid sat -0.93% from it.
• The bank's own timestamp. The page prints a last-updated stamp (13 novembre 2026 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 spread was USD 1.92%. 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 BNC and other banks in Haiti

USD on the 3 boards AllRatesToday reads in Haiti, all captured on 15 November 2026 (the Banque de la République d’Haïti official rate was 131.73):

BNC had the 3rd narrowest USD spread of the 3. One call to /api/v1/bank-rates/ht 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/ht/bnchaiti" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "bnchaiti",
  "name": "Banque Nationale de Crédit (BNC Haïti)",
  "country": "ht",
  "quote_ccy": "HTG",
  "bank_updated_at": "13 novembre 2026",
  "basis": "Branch buy / sell, smallest USD tranche",
  "captured_at": "2026-11-15T11:30:45.345Z",
  "rates": [
    {"ccy":"USD","buy":129.25,"sell":131.75,"mid":130.5,"spread_pct":1.916,"official":131.729,"vs_official_pct":-0.933}
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "bnchaiti",
  "name": "Banque Nationale de Crédit (BNC Haïti)",
  "country": "ht",
  "quote_ccy": "HTG",
  "bank_updated_at": "13 novembre 2026",
  "basis": "Branch buy / sell, smallest USD tranche",
  "captured_at": "2026-11-15T11:30:45.345Z",
  "ccy": "USD",
  "buy": 129.25,
  "sell": 131.75,
  "mid": 130.5,
  "spread_pct": 1.916,
  "official": 131.729,
  "vs_official_pct": -0.933,
  "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 Banque Nationale de Crédit (BNC Haïti) on its own website, collected by AllRatesToday",
    "bank_url": "https://www.bnconline.com/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/ht/bnchaiti/",
    "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/ht/bnchaiti?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/ht/bnchaiti/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' });

// Banque Nationale de Crédit (BNC Haïti)'s USD row
const r = await client.bankRates('ht', { bank: 'bnchaiti', ccy: 'USD' });
console.log(`BNC buys USD at ${r.buy}, sells at ${r.sell} HTG`);

// The board as it stood on a past day
const past = await client.bankRates('ht', { bank: 'bnchaiti', 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/ht/bnchaiti",
    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 Banque de la République d’Haïti rate is the one tax, accounting and customs rules in Haiti name; nobody transacts at it. BNC'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 Banque de la République d’Haïti endpoint when a rule asks for the official rate.

FAQ

Where do the Banque Nationale de Crédit (BNC Haïti) rates come from?

From the bank's own public rates page (https://www.bnconline.com/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price BNC shows, with the mid, the spread and the Banque de la République d’Haïti rate added.

Are these the official HTG exchange rates?

No. They are BNC's retail prices for customers. The official rate in Haiti is the Banque de la République d’Haïti 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 BNC 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 BNC 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.