---
title: "Finance Trust Bank Exchange Rate API: UGX Buy and Sell Rates as JSON"
description: "Finance Trust Bank's cash notes buying / selling (us dollar only) rates for the USD against the Ugandan shilling, read hourly from the bank's own page and served as JSON with the Bank of Uganda official rate alongside. REST, JavaScript and Python examples."
canonical: https://allratestoday.com/blog/finance-trust-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: 2026-11-15T19:05:38.642Z
---

Finance Trust Bank is a Ugandan commercial bank that grew out of a women-focused microfinance institution. Its home page lists a daily cash buying and selling rate in shillings for the US dollar. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bank of Uganda official rate and with other banks in Uganda, and the calls that return them.

## What the Finance Trust board shows

- **1 currency against the Ugandan shilling**: USD. Every value is UGX per 1 unit of the foreign currency.
- **The cash notes buying / selling (us dollar only) pair.** Ugandan bank boards carry wide spreads on the shilling: on 2026-11-13 Centenary Bank bought dollars about 1% below the Bank of Uganda rate and sold them about 10% above it. Regional currencies (KES, TZS, RWF) carry even wider margins. The Bank of Uganda official rate is shown next to each row.
- **USD on 15 November 2026**: Finance Trust bought at 3913 and sold at 4163 UGX, a spread of 6.19%. The Bank of Uganda official rate was 4119.43, so the bank's mid sat -1.98% from it.
- **The bank's own timestamp.** The page prints a last-updated stamp (`2026-11-15 8:06 am` on the board above), returned as `bank_updated_at` next to our `captured_at`.
- **Every day's board is kept permanently, from 14 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 spread was USD 6.19%. 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 Finance Trust and other banks in Uganda

USD on the 4 boards AllRatesToday reads in Uganda, all captured on 15 November 2026 (the Bank of Uganda official rate was 4119.43):

| Bank | Buy | Sell | Spread | Mid vs official |
| --- | --- | --- | --- | --- |
| Centenary Bank | 3964.36 | 4417.8 | 10.82% | +1.74% |
| Bank of Baroda (Uganda) | 4155 | 4270 | 2.73% | +2.26% |
| **Finance Trust Bank** | 3913 | 4163 | 6.19% | -1.98% |
| Pride Bank | 4050 | 4200 | 3.64% | +0.14% |

Finance Trust had the 3rd narrowest USD spread of the 4. One call to `/api/v1/bank-rates/ug` 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/ug/ftbug" \
  -H "Authorization: Bearer art_live_your_key"
```

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

```
{
  "bank": "ftbug",
  "name": "Finance Trust Bank",
  "country": "ug",
  "quote_ccy": "UGX",
  "bank_updated_at": "2026-11-15 8:06 am",
  "basis": "Cash notes buying / selling (US dollar only)",
  "captured_at": "2026-11-15T11:37:56.685Z",
  "rates": [
    {"ccy":"USD","buy":3913,"sell":4163,"mid":4038,"spread_pct":6.191,"official":4119.43,"vs_official_pct":-1.977}
  ],
  "disclaimer": "…",
  "attribution": { … }
}
```

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

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

```
{
  "bank": "ftbug",
  "name": "Finance Trust Bank",
  "country": "ug",
  "quote_ccy": "UGX",
  "bank_updated_at": "2026-11-15 8:06 am",
  "basis": "Cash notes buying / selling (US dollar only)",
  "captured_at": "2026-11-15T11:37:56.685Z",
  "ccy": "USD",
  "buy": 3913,
  "sell": 4163,
  "mid": 4038,
  "spread_pct": 6.191,
  "official": 4119.43,
  "vs_official_pct": -1.977,
  "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 Finance Trust Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.financetrust.co.ug/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/ug/ftbug/",
    "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/ug/ftbug?date=2026-11-14" \
  -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/ug/ftbug/history?ccy=USD&from=2026-11-14&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' });

// Finance Trust Bank's USD row
const r = await client.bankRates('ug', { bank: 'ftbug', ccy: 'USD' });
console.log(`Finance Trust buys USD at ${r.buy}, sells at ${r.sell} UGX`);

// The board as it stood on a past day
const past = await client.bankRates('ug', { bank: 'ftbug', date: '2026-11-14' });
console.log(past.snapshot_date, past.rates.length);
```

## Python

```
import requests

r = requests.get(
    "https://allratestoday.com/api/v1/bank-rates/ug/ftbug",
    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 of Uganda rate is the one tax, accounting and customs rules in Uganda name; nobody transacts at it. Finance Trust'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 of Uganda endpoint](https://allratestoday.com/central-bank-rates-api/bou/) when a rule asks for the official rate.

## FAQ

### Where do the Finance Trust Bank rates come from?

From the bank's own public rates page (https://www.financetrust.co.ug/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Finance Trust shows, with the mid, the spread and the Bank of Uganda rate added.

### Are these the official UGX exchange rates?

No. They are Finance Trust's retail prices for customers. The official rate in Uganda is the Bank of Uganda 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 Finance Trust 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 Finance Trust rates for a past date?

Yes, from 14 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.

## Finance Trust Bank rates, as JSON

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

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

## Related

- [Finance Trust Bank live board rates](https://allratestoday.com/bank-exchange-rate-api/ug/ftbug/)
- [All banks in Uganda side by side](https://allratestoday.com/bank-exchange-rate-api/ug/)
- [Bank of Uganda official rates API](https://allratestoday.com/central-bank-rates-api/bou/)
- [Centenary Bank exchange rate API guide](https://allratestoday.com/blog/centenary-bank-exchange-rate-api/)
- [Bank of Baroda (Uganda) exchange rate API guide](https://allratestoday.com/blog/bank-of-baroda-uganda-exchange-rate-api/)
- [Pride Bank exchange rate API guide](https://allratestoday.com/blog/pride-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/)