First National Bank Zambia Exchange Rate API: ZMW Buy and Sell Rates as JSON

First National Bank Zambia is a FirstRand subsidiary. Its forex page lists selling, telegraphic-transfer buying and note buying rates in kwacha. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bank of Zambia official rate and with other banks in Zambia, and the calls that return them.

What the FNB Zambia board shows

• 15 currencies against the Zambian kwacha: AUD, BWP, CAD, CHF, DKK, EUR, GBP, INR, JPY, NAD, NOK, NZD, SEK, USD and ZAR. Every value is ZMW per 1 unit of the foreign currency.
• The telegraphic transfer (remittance) pair. The kwacha floats; banks print a selling rate and separate telegraphic-transfer and note buying rates. The rates here are the transfer buy against the sell. The Bank of Zambia official rate is shown next to each row.
• USD on 15 November 2026: FNB Zambia bought at 20.435 and sold at 20.811 ZMW, a spread of 1.82%. The Bank of Zambia official rate was 20.4652, so the bank's mid sat +0.77% from it.
• The bank's own timestamp. The page prints a last-updated stamp (2026-11-13 16:05:07 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 JPY (1.56%), USD (1.82%), INR (1.83%) and the widest NZD (4.30%), NOK (3.72%), CHF (3.69%). 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 FNB Zambia and other banks in Zambia

USD on the 3 boards AllRatesToday reads in Zambia, all captured on 15 November 2026 (the Bank of Zambia official rate was 20.4652):

FNB Zambia had the 3rd narrowest USD spread of the 3. One call to /api/v1/bank-rates/zm 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/zm/fnbzm" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "fnbzm",
  "name": "First National Bank Zambia",
  "country": "zm",
  "quote_ccy": "ZMW",
  "bank_updated_at": "2026-11-13 16:05:07",
  "basis": "Telegraphic transfer (remittance)",
  "captured_at": "2026-11-15T11:30:29.280Z",
  "rates": [
    {"ccy":"AUD","buy":13.658335,"sell":14.172274,"mid":13.915304,"spread_pct":3.693,"official":null,"vs_official_pct":null},
    {"ccy":"BWP","buy":1.421,"sell":1.45,"mid":1.4355,"spread_pct":2.02,"official":null,"vs_official_pct":null},
    {"ccy":"CAD","buy":14.10546,"sell":14.630679,"mid":14.36807,"spread_pct":3.655,"official":null,"vs_official_pct":null},
    … 12 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "fnbzm",
  "name": "First National Bank Zambia",
  "country": "zm",
  "quote_ccy": "ZMW",
  "bank_updated_at": "2026-11-13 16:05:07",
  "basis": "Telegraphic transfer (remittance)",
  "captured_at": "2026-11-15T11:30:29.280Z",
  "ccy": "USD",
  "buy": 20.435,
  "sell": 20.811,
  "mid": 20.623,
  "spread_pct": 1.823,
  "official": 20.4652,
  "vs_official_pct": 0.771,
  "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 First National Bank Zambia on its own website, collected by AllRatesToday",
    "bank_url": "https://www.fnbzambia.co.zm/Controller?nav=rates.forex.list.ForexRatesList",
    "url": "https://allratestoday.com/bank-exchange-rate-api/zm/fnbzm/",
    "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/zm/fnbzm?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/zm/fnbzm/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' });

// First National Bank Zambia's USD row
const r = await client.bankRates('zm', { bank: 'fnbzm', ccy: 'USD' });
console.log(`FNB Zambia buys USD at ${r.buy}, sells at ${r.sell} ZMW`);

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

FAQ

Where do the First National Bank Zambia rates come from?

From the bank's own public rates page (https://www.fnbzambia.co.zm/Controller?nav=rates.forex.list.ForexRatesList), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price FNB Zambia shows, with the mid, the spread and the Bank of Zambia rate added.

Are these the official ZMW exchange rates?

No. They are FNB Zambia's retail prices for customers. The official rate in Zambia is the Bank of Zambia 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 FNB Zambia 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 FNB Zambia 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.