---
title: "Bendigo Bank Exchange Rate API: AUD Buy and Sell Rates as JSON"
description: "Bendigo Bank's telegraphic transfer buy / sell rates for 18 currencies against the Australian dollar, read hourly from the bank's own page and served as JSON with the Reserve Bank of Australia official rate alongside. REST, JavaScript and Python examples."
canonical: https://allratestoday.com/blog/bendigo-bank-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: 2026-11-15T19:05:15.142Z
---

Bendigo Bank is an Australian retail bank headquartered in Bendigo, Victoria, and part of Bendigo and Adelaide Bank. Its foreign exchange calculator lists the telegraphic transfer rates at which the bank buys and sells about 18 currencies against the Australian dollar. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Reserve Bank of Australia official rate and with other banks in Australia, and the calls that return them.

## What the Bendigo board shows

- **18 currencies against the Australian dollar**: CAD, CHF, DKK, EUR, FJD, GBP, HKD, IDR, INR, JPY, NOK, NZD, PHP, SEK, SGD, THB, USD and ZAR. Every value is AUD per 1 unit of the foreign currency.
- **The telegraphic transfer buy / sell pair.** Australian banks quote foreign currency per 1 Australian dollar (for example 0.65 USD per AUD); the rates here are turned round to AUD per 1 unit of each currency so they read like every other country on this site. The pair is the telegraphic-transfer board, the rate an international transfer is converted at. The Reserve Bank of Australia publishes one official rate per business day.
- **USD on 15 November 2026**: Bendigo bought at 1.4021 and sold at 1.5451 AUD, a spread of 9.70%. The Reserve Bank of Australia official rate was 1.4697, so the bank's mid sat +0.27% from it.
- **The bank's own timestamp.** The page prints a last-updated stamp (`13/11/2026 07:22 (Melbourne)` 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 CHF (9.70%), DKK (9.70%), USD (9.70%) and the widest SGD (10.01%), FJD (10.00%), ZAR (10.00%). 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 Bendigo and other banks in Australia

USD on the 5 boards AllRatesToday reads in Australia, all captured on 15 November 2026 (the Reserve Bank of Australia official rate was 1.4697):

| Bank | Buy | Sell | Spread | Mid vs official |
| --- | --- | --- | --- | --- |
| Westpac | 1.415 | 1.5279 | 7.67% | +0.12% |
| Commonwealth Bank of Australia | 1.4267 | 1.517 | 6.13% | +0.15% |
| ANZ | 1.4267 | 1.5195 | 6.30% | +0.23% |
| **Bendigo Bank** | 1.4021 | 1.5451 | 9.70% | +0.27% |
| Suncorp Bank | 1.417 | 1.542 | 8.45% | +0.67% |

Bendigo had the 5th narrowest USD spread of the 5. One call to `/api/v1/bank-rates/au` 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/au/bendigo" \
  -H "Authorization: Bearer art_live_your_key"
```

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

```
{
  "bank": "bendigo",
  "name": "Bendigo Bank",
  "country": "au",
  "quote_ccy": "AUD",
  "bank_updated_at": "13/11/2026 07:22 (Melbourne)",
  "basis": "Telegraphic transfer buy / sell",
  "captured_at": "2026-11-15T11:37:35.365Z",
  "rates": [
    {"ccy":"CAD","buy":0.98357431,"sell":1.0838933,"mid":1.0337338,"spread_pct":9.705,"official":1.0308215647871355,"vs_official_pct":0.283},
    {"ccy":"CHF","buy":1.6789792,"sell":1.8501388,"mid":1.764559,"spread_pct":9.7,"official":1.7596339961288052,"vs_official_pct":0.28},
    {"ccy":"DKK","buy":0.20740433,"sell":0.22855576,"mid":0.21798005,"spread_pct":9.703,"official":null,"vs_official_pct":null},
    … 15 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}
```

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

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

```
{
  "bank": "bendigo",
  "name": "Bendigo Bank",
  "country": "au",
  "quote_ccy": "AUD",
  "bank_updated_at": "13/11/2026 07:22 (Melbourne)",
  "basis": "Telegraphic transfer buy / sell",
  "captured_at": "2026-11-15T11:37:35.365Z",
  "ccy": "USD",
  "buy": 1.4021312,
  "sell": 1.5451174,
  "mid": 1.4736243,
  "spread_pct": 9.703,
  "official": 1.4697236919459142,
  "vs_official_pct": 0.265,
  "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 Bendigo Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.bendigobank.com.au/calculators/foreign-exchange/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/au/bendigo/",
    "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/au/bendigo?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/au/bendigo/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' });

// Bendigo Bank's USD row
const r = await client.bankRates('au', { bank: 'bendigo', ccy: 'USD' });
console.log(`Bendigo buys USD at ${r.buy}, sells at ${r.sell} AUD`);

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

## FAQ

### Where do the Bendigo Bank rates come from?

From the bank's own public rates page (https://www.bendigobank.com.au/calculators/foreign-exchange/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Bendigo shows, with the mid, the spread and the Reserve Bank of Australia rate added.

### Are these the official AUD exchange rates?

No. They are Bendigo's retail prices for customers. The official rate in Australia is the Reserve Bank of Australia 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 Bendigo 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 Bendigo 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.

## Bendigo Bank rates, as JSON

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

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

## Related

- [Bendigo Bank live board rates](https://allratestoday.com/bank-exchange-rate-api/au/bendigo/)
- [All banks in Australia side by side](https://allratestoday.com/bank-exchange-rate-api/au/)
- [Reserve Bank of Australia official rates API](https://allratestoday.com/central-bank-rates-api/rba/)
- [Westpac exchange rate API guide](https://allratestoday.com/blog/westpac-exchange-rate-api/)
- [Commonwealth Bank of Australia exchange rate API guide](https://allratestoday.com/blog/commonwealth-bank-of-australia-exchange-rate-api/)
- [ANZ exchange rate API guide](https://allratestoday.com/blog/anz-exchange-rate-api/)
- [Suncorp Bank exchange rate API guide](https://allratestoday.com/blog/suncorp-bank-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/)