Harbin Bank Exchange Rate API: CNY Buy and Sell Rates as JSON

Harbin Bank is a city commercial bank headquartered in Harbin, Heilongjiang province. Its FX rates page lists cash and spot-exchange buying and selling rates and a reference rate per 100 units for 5 currencies, including the rouble. This guide shows how to read that board as JSON: what the rates mean, how they compare with the People’s Bank of China official rate and with other banks in China, and the calls that return them.

What the Harbin Bank board shows

• 5 currencies against the Chinese yuan: EUR, HKD, JPY, RUB and USD. Every value is CNY per 1 unit of the foreign currency.
• The spot exchange (transfer) buy / sell pair. The People’s Bank of China sets a daily central parity for the yuan, but the rate a customer gets is a bank’s board, and Bank of China’s is the one most quoted. Chinese banks publish spot-exchange (transfer) and cash columns, quoted per 100 units of foreign currency; the pair here is spot exchange, shown per 1 unit.
• USD on 15 November 2026: Harbin Bank bought at 6.6586 and sold at 6.6849 CNY, a spread of 0.39%. The People’s Bank of China official rate was 6.7152, so the bank's mid sat -0.65% from it.
• No timestamp on the bank's page. Harbin Bank does not print a last-updated time, so bank_updated_at is null and captured_at (when AllRatesToday read the page) is the only time available.
• 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 tightest spreads were USD (0.39%), HKD (0.50%), EUR (0.78%) and the widest RUB (7.05%), JPY (0.87%), EUR (0.78%). 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 Harbin Bank and other banks in China

USD on the 59 boards AllRatesToday reads in China, all captured on 15 November 2026 (the People’s Bank of China official rate was 6.7152):

Harbin Bank had the 10th narrowest USD spread of the 59. One call to /api/v1/bank-rates/cn 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/cn/hrbb" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "hrbb",
  "name": "Harbin Bank",
  "country": "cn",
  "quote_ccy": "CNY",
  "bank_updated_at": null,
  "basis": "Spot exchange (transfer) buy / sell",
  "captured_at": "2026-11-15T11:15:58.952Z",
  "rates": [
    {"ccy":"EUR","buy":7.3238,"sell":7.3809,"mid":7.35235,"spread_pct":0.777,"official":7.4023,"vs_official_pct":-0.675},
    {"ccy":"HKD","buy":0.84827,"sell":0.85249,"mid":0.85038,"spread_pct":0.496,"official":0.85604,"vs_official_pct":-0.661},
    {"ccy":"JPY","buy":0.041599,"sell":0.041963,"mid":0.041781,"spread_pct":0.871,"official":0.041951999999999996,"vs_official_pct":-0.408},
    … 2 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "hrbb",
  "name": "Harbin Bank",
  "country": "cn",
  "quote_ccy": "CNY",
  "bank_updated_at": null,
  "basis": "Spot exchange (transfer) buy / sell",
  "captured_at": "2026-11-15T11:15:58.952Z",
  "ccy": "USD",
  "buy": 6.6586,
  "sell": 6.6849,
  "mid": 6.67175,
  "spread_pct": 0.394,
  "official": 6.7152,
  "vs_official_pct": -0.647,
  "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 Harbin Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.hrbb.com.cn/harBinBank/kjjr/whpj53/index.html",
    "url": "https://allratestoday.com/bank-exchange-rate-api/cn/hrbb/",
    "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/cn/hrbb?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/cn/hrbb/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' });

// Harbin Bank's USD row
const r = await client.bankRates('cn', { bank: 'hrbb', ccy: 'USD' });
console.log(`Harbin Bank buys USD at ${r.buy}, sells at ${r.sell} CNY`);

// The board as it stood on a past day
const past = await client.bankRates('cn', { bank: 'hrbb', 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/cn/hrbb",
    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 People’s Bank of China rate is the one tax, accounting and customs rules in China name; nobody transacts at it. Harbin Bank'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 People’s Bank of China endpoint when a rule asks for the official rate.

FAQ

Where do the Harbin Bank rates come from?

From the bank's own public rates page (https://www.hrbb.com.cn/harBinBank/kjjr/whpj53/index.html), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Harbin Bank shows, with the mid, the spread and the People’s Bank of China rate added.

Are these the official CNY exchange rates?

No. They are Harbin Bank's retail prices for customers. The official rate in China is the People’s Bank of China 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 Harbin Bank board updated?

AllRatesToday reads the page every hour. The bank prints no timestamp, so captured_at tells you when the rates were read.

Can I get Harbin Bank 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.