BH Bank Exchange Rate API: TND Buy and Sell Rates as JSON

BH Bank (formerly Banque de l’Habitat) is a state-controlled Tunisian commercial bank. Its cours des changes page lists selling and buying rates in dinars for 13 currencies. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Central Bank of Tunisia official rate and with other banks in Tunisia, and the calls that return them.

What the BH Bank board shows

• 13 currencies against the Tunisian dinar: AED, BHD, CAD, CHF, CNY, EUR, GBP, JPY, KWD, LYD, QAR, SAR and USD. Every value is TND per 1 unit of the foreign currency.
• The cours de change (achat / vente) pair. Tunisian banks print one cours de change table with buying and selling rates in dinars to three decimals, quoted per 10 units for the Gulf currencies and the Swiss franc and per 1,000 for the yen. Spreads are typically 2-3% around the Central Bank of Tunisia rate. The Central Bank of Tunisia official rate is shown next to each row.
• USD on 15 November 2026: BH Bank bought at 2.949 and sold at 3.038 TND, a spread of 2.97%. The Central Bank of Tunisia official rate was 3.0335, so the bank's mid sat -1.32% from it.
• No timestamp on the bank's page. BH Bank does not print a last-updated time, so bank_updated_at is null and captured_at (when AllRatesToday read the page) is the only time available.
• 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 SAR (2.35%), EUR (2.50%), CAD (2.57%) and the widest CNY (6.44%), LYD (5.14%), BHD (4.84%). 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 BH Bank and other banks in Tunisia

USD on the 7 boards AllRatesToday reads in Tunisia, all captured on 15 November 2026 (the Central Bank of Tunisia official rate was 3.0335):

BH Bank had the 6th narrowest USD spread of the 7. One call to /api/v1/bank-rates/tn 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/tn/bhtn" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "bhtn",
  "name": "BH Bank",
  "country": "tn",
  "quote_ccy": "TND",
  "bank_updated_at": null,
  "basis": "Cours de change (achat / vente)",
  "captured_at": "2026-11-15T11:46:44.115Z",
  "rates": [
    {"ccy":"AED","buy":0.8024,"sell":0.8323,"mid":0.81735,"spread_pct":3.658,"official":0.81953,"vs_official_pct":-0.266},
    {"ccy":"BHD","buy":7.799,"sell":8.186,"mid":7.9925,"spread_pct":4.842,"official":7.9816,"vs_official_pct":0.137},
    {"ccy":"CAD","buy":2.073,"sell":2.127,"mid":2.1,"spread_pct":2.571,"official":2.1143,"vs_official_pct":-0.676},
    … 10 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "bhtn",
  "name": "BH Bank",
  "country": "tn",
  "quote_ccy": "TND",
  "bank_updated_at": null,
  "basis": "Cours de change (achat / vente)",
  "captured_at": "2026-11-15T11:46:44.115Z",
  "ccy": "USD",
  "buy": 2.949,
  "sell": 3.038,
  "mid": 2.9935,
  "spread_pct": 2.973,
  "official": 3.0335,
  "vs_official_pct": -1.319,
  "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 BH Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.bhbank.tn/cours/cours-des-changes",
    "url": "https://allratestoday.com/bank-exchange-rate-api/tn/bhtn/",
    "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/tn/bhtn?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/tn/bhtn/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' });

// BH Bank's USD row
const r = await client.bankRates('tn', { bank: 'bhtn', ccy: 'USD' });
console.log(`BH Bank buys USD at ${r.buy}, sells at ${r.sell} TND`);

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

FAQ

Where do the BH Bank rates come from?

From the bank's own public rates page (https://www.bhbank.tn/cours/cours-des-changes), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price BH Bank shows, with the mid, the spread and the Central Bank of Tunisia rate added.

Are these the official TND exchange rates?

No. They are BH Bank's retail prices for customers. The official rate in Tunisia is the Central Bank of Tunisia 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 BH Bank board updated?

AllRatesToday reads the page every hour. The bank prints no timestamp, so captured_at tells you when the rates were read.

Can I get BH Bank 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.