--- title: "CIMB Niaga Exchange Rate API: IDR Buy and Sell Rates as JSON" description: "CIMB Niaga's OCTO app and web e-rate (min USD 3,000 equivalent) rates for 15 currencies against the Indonesian rupiah, read hourly from the bank's own page and served as JSON with the Bank Indonesia official rate alongside. REST, JavaScript and Python examples." canonical: https://allratestoday.com/blog/cimb-niaga-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: 2026-11-15T19:12:06.350Z --- CIMB Niaga is the Indonesian subsidiary of Malaysia’s CIMB Group. Its homepage kurs table lists buying and selling rates for 15 currencies that apply in the OCTO app and website for deals of USD 3,000 equivalent or more. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bank Indonesia official rate and with other banks in Indonesia, and the calls that return them. ## What the CIMB Niaga board shows - **15 currencies against the Indonesian rupiah**: AUD, CAD, CHF, CNY, EUR, GBP, HKD, JPY, KRW, MYR, NZD, SAR, SGD, THB and USD. Every value is IDR per 1 unit of the foreign currency. - **The OCTO app and web e-rate (min USD 3,000 equivalent) pair.** Indonesian banks quote three boards at once: an e-Rate for online transactions, a TT counter rate for branch telegraphic transfers, and bank notes for cash. The pair here is the TT counter rate. Bank Indonesia’s JISDOR is a reference calculated from interbank transactions rather than a counter price, so it sits inside every bank’s spread. - **USD on 15 November 2026**: CIMB Niaga bought at 18189 and sold at 18204 IDR, a spread of 0.08%. The Bank Indonesia official rate was 18332.21, so the bank's mid sat -0.74% from it. - **The bank's own timestamp.** The page prints a last-updated stamp (`13/11/2026 14:30:04 WIB` 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 HKD (0.04%), USD (0.08%), GBP (0.10%) and the widest KRW (1.25%), CNY (0.59%), MYR (0.40%). 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 CIMB Niaga and other banks in Indonesia USD on the 27 boards AllRatesToday reads in Indonesia, all captured on 15 November 2026 (the Bank Indonesia official rate was 18332.21): | Bank | Buy | Sell | Spread | Mid vs official | | --- | --- | --- | --- | --- | | Bank Central Asia | 18010 | 18290 | 1.54% | -0.99% | | Maybank Indonesia | 18110 | 18310 | 1.10% | -0.67% | | OCBC Indonesia | 17980 | 18375 | 2.17% | -0.84% | | **CIMB Niaga** | 18189 | 18204 | 0.08% | -0.74% | | Bank Danamon | 18091 | 18291 | 1.10% | -0.77% | | Bank Mega | 18128 | 18328 | 1.10% | -0.57% | | PermataBank | 18090 | 18300 | 1.15% | -0.75% | | Panin Bank | 18150 | 18250 | 0.55% | -0.72% | | BNP Paribas Indonesia | 18123 | 18375 | 1.38% | -0.45% | | Bank Artha Graha Internasional | 18040 | 18400 | 1.98% | -0.61% | | Bank INA Perdana | 18150 | 18300 | 0.82% | -0.58% | | Bank Ganesha | 18145 | 18325 | 0.99% | -0.53% | | Bank Mayapada | 18089 | 18278 | 1.04% | -0.81% | | UOB Indonesia | 17907 | 18427 | 2.86% | -0.90% | | HSBC Indonesia | 18085 | 18385 | 1.65% | -0.53% | | Bank Sinarmas | 18180 | 18250 | 0.38% | -0.64% | | ICBC Indonesia | 18075 | 18315 | 1.32% | -0.75% | | Bank of China (Jakarta Branch) | 18040 | 18440 | 2.19% | -0.50% | | Bank Victoria International | 18165 | 18280 | 0.63% | -0.60% | | J Trust Bank | 18170 | 18300 | 0.71% | -0.53% | | Nobu Bank | 18152 | 18242 | 0.49% | -0.74% | | Bank Sahabat Sampoerna | 18080 | 18320 | 1.32% | -0.72% | | Bank SulutGo | 18128 | 18328 | 1.10% | -0.57% | | Bank Bumi Arta | 18147 | 18203 | 0.31% | -0.86% | | SMBC Indonesia | 17820 | 18420 | 3.31% | -1.16% | | Bank Multiarta Sentosa | 18160 | 18340 | 0.99% | -0.45% | | DBS Indonesia | 18056 | 18426 | 2.03% | -0.50% | CIMB Niaga had the narrowest USD spread of the 27. One call to `/api/v1/bank-rates/id` 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/id/cimbniaga" \ -H "Authorization: Bearer art_live_your_key" ``` What comes back (the 15 November 2026 board, first three rows): ``` { "bank": "cimbniaga", "name": "CIMB Niaga", "country": "id", "quote_ccy": "IDR", "bank_updated_at": "13/11/2026 14:30:04 WIB", "basis": "OCTO app and web e-rate (min USD 3,000 equivalent)", "captured_at": "2026-11-15T11:37:27.493Z", "rates": [ {"ccy":"AUD","buy":12354,"sell":12373,"mid":12363.5,"spread_pct":0.154,"official":12511.73,"vs_official_pct":-1.185}, {"ccy":"CAD","buy":12750,"sell":12768,"mid":12759,"spread_pct":0.141,"official":12860.2,"vs_official_pct":-0.787}, {"ccy":"CHF","buy":21760,"sell":21786,"mid":21773,"spread_pct":0.119,"official":22033.91,"vs_official_pct":-1.184}, … 12 more currencies ], "disclaimer": "…", "attribution": { … } } ``` One currency, with the row fields at the top level: ``` curl "https://allratestoday.com/api/v1/bank-rates/id/cimbniaga?ccy=USD" \ -H "Authorization: Bearer art_live_your_key" ``` ``` { "bank": "cimbniaga", "name": "CIMB Niaga", "country": "id", "quote_ccy": "IDR", "bank_updated_at": "13/11/2026 14:30:04 WIB", "basis": "OCTO app and web e-rate (min USD 3,000 equivalent)", "captured_at": "2026-11-15T11:37:27.493Z", "ccy": "USD", "buy": 18189, "sell": 18204, "mid": 18196.5, "spread_pct": 0.082, "official": 18332.21, "vs_official_pct": -0.74, "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 CIMB Niaga on its own website, collected by AllRatesToday", "bank_url": "https://www.cimbniaga.co.id/id/personal/homepage", "url": "https://allratestoday.com/bank-exchange-rate-api/id/cimbniaga/", "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/id/cimbniaga?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/id/cimbniaga/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' }); // CIMB Niaga's USD row const r = await client.bankRates('id', { bank: 'cimbniaga', ccy: 'USD' }); console.log(`CIMB Niaga buys USD at ${r.buy}, sells at ${r.sell} IDR`); // The board as it stood on a past day const past = await client.bankRates('id', { bank: 'cimbniaga', 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/id/cimbniaga", 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 Indonesia rate is the one tax, accounting and customs rules in Indonesia name; nobody transacts at it. CIMB Niaga'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 Indonesia endpoint](https://allratestoday.com/central-bank-rates-api/bi/) when a rule asks for the official rate. ## FAQ ### Where do the CIMB Niaga rates come from? From the bank's own public rates page (https://www.cimbniaga.co.id/id/personal/homepage), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price CIMB Niaga shows, with the mid, the spread and the Bank Indonesia rate added. ### Are these the official IDR exchange rates? No. They are CIMB Niaga's retail prices for customers. The official rate in Indonesia is the Bank Indonesia 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 CIMB Niaga 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 CIMB Niaga 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. ## CIMB Niaga rates, as JSON Free API key, hourly board captures, the official rate alongside. [Get your free API key](https://allratestoday.com/register/) ## Related - [CIMB Niaga live board rates](https://allratestoday.com/bank-exchange-rate-api/id/cimbniaga/) - [All banks in Indonesia side by side](https://allratestoday.com/bank-exchange-rate-api/id/) - [Bank Indonesia official rates API](https://allratestoday.com/central-bank-rates-api/bi/) - [Bank Central Asia exchange rate API guide](https://allratestoday.com/blog/bank-central-asia-exchange-rate-api/) - [Maybank Indonesia exchange rate API guide](https://allratestoday.com/blog/maybank-indonesia-exchange-rate-api/) - [OCBC Indonesia exchange rate API guide](https://allratestoday.com/blog/ocbc-indonesia-exchange-rate-api/) - [Bank Danamon exchange rate API guide](https://allratestoday.com/blog/bank-danamon-exchange-rate-api/) - [Bank Mega exchange rate API guide](https://allratestoday.com/blog/bank-mega-exchange-rate-api/) - [PermataBank exchange rate API guide](https://allratestoday.com/blog/permatabank-exchange-rate-api/) - [Panin Bank exchange rate API guide](https://allratestoday.com/blog/panin-bank-exchange-rate-api/) - [BNP Paribas Indonesia exchange rate API guide](https://allratestoday.com/blog/bnp-paribas-indonesia-exchange-rate-api/) - [Bank Artha Graha Internasional exchange rate API guide](https://allratestoday.com/blog/bank-artha-graha-internasional-exchange-rate-api/) - [Bank INA Perdana exchange rate API guide](https://allratestoday.com/blog/bank-ina-perdana-exchange-rate-api/) - [Bank Ganesha exchange rate API guide](https://allratestoday.com/blog/bank-ganesha-exchange-rate-api/) - [Bank Mayapada exchange rate API guide](https://allratestoday.com/blog/bank-mayapada-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/)