Emlak Katılım Exchange Rate API: TRY Buy and Sell Rates as JSON

Emlak Katılım is a state-owned Turkish participation bank that started operating in 2019 under the Ministry of Treasury and Finance. Its rates page lists buying and selling rates against the lira for the US dollar and the euro, with a last-updated time. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Central Bank of the Republic of Türkiye official rate and with other banks in Turkey, and the calls that return them.

What the Emlak Katılım board shows

• 2 currencies against the Turkish lira: EUR and USD. Every value is TRY per 1 unit of the foreign currency.
• The döviz buy / sell (usd and EUR only) pair. Turkish bank boards move through the trading day and carry wide spreads. The Central Bank of the Republic of Türkiye publishes its official rates once each business day at 15:30 Istanbul time; those are the rates tax and customs use, not the bank boards.
• USD on 15 November 2026: Emlak Katılım bought at 49.572 and sold at 51.7541 TRY, a spread of 4.31%. The Central Bank of the Republic of Türkiye official rate was 50.283, so the bank's mid sat +0.76% from it.
• The bank's own timestamp. The page prints a last-updated stamp (15.11.2026 14:15:52 (Istanbul) 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 EUR 4.05%, USD 4.31%. 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 Emlak Katılım and other banks in Turkey

USD on the 23 boards AllRatesToday reads in Turkey, all captured on 15 November 2026 (the Central Bank of the Republic of Türkiye official rate was 50.283):

Emlak Katılım had the 10th narrowest USD spread of the 23. One call to /api/v1/bank-rates/tr 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/tr/emlakkatilim" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "emlakkatilim",
  "name": "Emlak Katılım",
  "country": "tr",
  "quote_ccy": "TRY",
  "bank_updated_at": "15.11.2026 14:15:52 (Istanbul)",
  "basis": "Döviz buy / sell (USD and EUR only)",
  "captured_at": "2026-11-15T11:15:52.625Z",
  "rates": [
    {"ccy":"EUR","buy":54.5902,"sell":56.8451,"mid":55.71765,"spread_pct":4.047,"official":55.6033,"vs_official_pct":0.206},
    {"ccy":"USD","buy":49.572,"sell":51.7541,"mid":50.66305,"spread_pct":4.307,"official":50.283,"vs_official_pct":0.756}
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "emlakkatilim",
  "name": "Emlak Katılım",
  "country": "tr",
  "quote_ccy": "TRY",
  "bank_updated_at": "15.11.2026 14:15:52 (Istanbul)",
  "basis": "Döviz buy / sell (USD and EUR only)",
  "captured_at": "2026-11-15T11:15:52.625Z",
  "ccy": "USD",
  "buy": 49.572,
  "sell": 51.7541,
  "mid": 50.66305,
  "spread_pct": 4.307,
  "official": 50.283,
  "vs_official_pct": 0.756,
  "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 Emlak Katılım on its own website, collected by AllRatesToday",
    "bank_url": "https://www.emlakkatilim.com.tr/tr/doviz-kurlari",
    "url": "https://allratestoday.com/bank-exchange-rate-api/tr/emlakkatilim/",
    "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/tr/emlakkatilim?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/tr/emlakkatilim/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' });

// Emlak Katılım's USD row
const r = await client.bankRates('tr', { bank: 'emlakkatilim', ccy: 'USD' });
console.log(`Emlak Katılım buys USD at ${r.buy}, sells at ${r.sell} TRY`);

// The board as it stood on a past day
const past = await client.bankRates('tr', { bank: 'emlakkatilim', 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/tr/emlakkatilim",
    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 the Republic of Türkiye rate is the one tax, accounting and customs rules in Turkey name; nobody transacts at it. Emlak Katılım'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 the Republic of Türkiye endpoint when a rule asks for the official rate.

FAQ

Where do the Emlak Katılım rates come from?

From the bank's own public rates page (https://www.emlakkatilim.com.tr/tr/doviz-kurlari), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Emlak Katılım shows, with the mid, the spread and the Central Bank of the Republic of Türkiye rate added.

Are these the official TRY exchange rates?

No. They are Emlak Katılım's retail prices for customers. The official rate in Turkey is the Central Bank of the Republic of Türkiye 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 Emlak Katılım 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 Emlak Katılım 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.