Bulgarian-American Credit Bank Exchange Rate API: EUR Buy and Sell Rates as JSON

Bulgarian-American Credit Bank (BACB) is a Sofia-based commercial bank. Its home page lists buy and sell rates against the euro for the US dollar and the pound. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bulgarian National Bank official rate and with other banks in Bulgaria, and the calls that return them.

What the BACB board shows

• 2 currencies against the euro: GBP and USD. Every value is EUR per 1 unit of the foreign currency.
• The exchange list buy / sell pair. Bulgaria adopted the euro on 1 January 2026; banks now quote foreign currency per 1 euro next to the BNB fixing, typically with separate cash and non-cash (безкасови) columns. The Bulgarian National Bank official rate is shown next to each row.
• USD on 15 November 2026: BACB bought at 0.8803 and sold at 0.9294 EUR, a spread of 5.42%. The Bulgarian National Bank official rate was 0.9048, so the bank's mid matched it.
• The bank's own timestamp. The page prints a last-updated stamp (2026-11-13T19:41 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 spreads were USD 5.42%, GBP 5.51%. 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 BACB and other banks in Bulgaria

USD on the 10 boards AllRatesToday reads in Bulgaria, all captured on 15 November 2026 (the Bulgarian National Bank official rate was 0.9048):

BACB had the 8th narrowest USD spread of the 10. One call to /api/v1/bank-rates/bg 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/bg/bacb" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "bacb",
  "name": "Bulgarian-American Credit Bank",
  "country": "bg",
  "quote_ccy": "EUR",
  "bank_updated_at": "2026-11-13T19:41",
  "basis": "Exchange list buy / sell",
  "captured_at": "2026-11-15T11:38:00.903Z",
  "rates": [
    {"ccy":"GBP","buy":1.165501166,"sell":1.231527094,"mid":1.1985141,"spread_pct":5.509,"official":1.196759176150983,"vs_official_pct":0.147},
    {"ccy":"USD","buy":0.8802816901,"sell":0.9293680297,"mid":0.90482486,"spread_pct":5.425,"official":0.9048136083966704,"vs_official_pct":0.001}
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "bacb",
  "name": "Bulgarian-American Credit Bank",
  "country": "bg",
  "quote_ccy": "EUR",
  "bank_updated_at": "2026-11-13T19:41",
  "basis": "Exchange list buy / sell",
  "captured_at": "2026-11-15T11:38:00.903Z",
  "ccy": "USD",
  "buy": 0.8802816901,
  "sell": 0.9293680297,
  "mid": 0.90482486,
  "spread_pct": 5.425,
  "official": 0.9048136083966704,
  "vs_official_pct": 0.001,
  "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 Bulgarian-American Credit Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.bacb.bg/bg",
    "url": "https://allratestoday.com/bank-exchange-rate-api/bg/bacb/",
    "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/bg/bacb?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/bg/bacb/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' });

// Bulgarian-American Credit Bank's USD row
const r = await client.bankRates('bg', { bank: 'bacb', ccy: 'USD' });
console.log(`BACB buys USD at ${r.buy}, sells at ${r.sell} EUR`);

// The board as it stood on a past day
const past = await client.bankRates('bg', { bank: 'bacb', 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/bg/bacb",
    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 Bulgarian National Bank rate is the one tax, accounting and customs rules in Bulgaria name; nobody transacts at it. BACB'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 Bulgarian National Bank endpoint when a rule asks for the official rate.

FAQ

Where do the Bulgarian-American Credit Bank rates come from?

From the bank's own public rates page (https://www.bacb.bg/bg), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price BACB shows, with the mid, the spread and the Bulgarian National Bank rate added.

Are these the official EUR exchange rates?

No. They are BACB's retail prices for customers. The official rate in Bulgaria is the Bulgarian National Bank 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 BACB 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 BACB 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.