HBL Maldives Exchange Rate API: MVR Buy and Sell Rates as JSON

HBL Maldives is the Malé branch of Pakistan’s Habib Bank Limited. Its exchange-rates page lists buying and selling rates in rufiyaa for about 20 currencies, with the US dollar at one rate on both sides. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Maldives Monetary Authority official rate and with other banks in the Maldives, and the calls that return them.

What the HBL Maldives board shows

• 21 currencies against the Maldivian rufiyaa: AED, AUD, CAD, CHF, CNY, DKK, EUR, GBP, HKD, IDR, INR, JPY, LKR, MYR, NOK, PKR, SAR, SEK, SGD, THB and USD. Every value is MVR per 1 unit of the foreign currency.
• The counter board pair. The rufiyaa is managed against the US dollar within a band whose upper edge is 15.42 MVR per dollar, so banks sell dollars at or near 15.42 and buy below it. Other currencies are quoted through their dollar cross, often with wide spreads on less-traded currencies. The Maldives Monetary Authority official rate is shown next to each row.
• USD on 15 November 2026: HBL Maldives bought at 15.42 and sold at 15.42 MVR, a spread of 0.00%. The Maldives Monetary Authority official rate was 15.42, so the bank's mid matched it.
• The bank's own timestamp. The page prints a last-updated stamp (15.11.2026 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 tightest spreads were USD (0.00%), JPY (3.99%), SEK (4.00%) and the widest IDR (11.77%), PKR (4.13%), LKR (4.08%). 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 HBL Maldives and other banks in the Maldives

USD on the 3 boards AllRatesToday reads in the Maldives, all captured on 15 November 2026 (the Maldives Monetary Authority official rate was 15.42):

HBL Maldives had the narrowest USD spread of the 3. One call to /api/v1/bank-rates/mv 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/mv/hblmv" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "hblmv",
  "name": "HBL Maldives",
  "country": "mv",
  "quote_ccy": "MVR",
  "bank_updated_at": "15.11.2026",
  "basis": "Counter board",
  "captured_at": "2026-11-15T04:54:15.484Z",
  "rates": [
    {"ccy":"AED","buy":4.1159,"sell":4.2839,"mid":4.1999,"spread_pct":4,"official":null,"vs_official_pct":null},
    {"ccy":"AUD","buy":10.6096,"sell":11.0427,"mid":10.82615,"spread_pct":4,"official":null,"vs_official_pct":null},
    {"ccy":"CAD","buy":10.7637,"sell":11.2031,"mid":10.9834,"spread_pct":4.001,"official":null,"vs_official_pct":null},
    … 18 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "hblmv",
  "name": "HBL Maldives",
  "country": "mv",
  "quote_ccy": "MVR",
  "bank_updated_at": "15.11.2026",
  "basis": "Counter board",
  "captured_at": "2026-11-15T04:54:15.484Z",
  "ccy": "USD",
  "buy": 15.42,
  "sell": 15.42,
  "mid": 15.42,
  "spread_pct": 0,
  "official": 15.42,
  "vs_official_pct": 0,
  "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 HBL Maldives on its own website, collected by AllRatesToday",
    "bank_url": "https://www.hbl.com/maldives/exchange-rates",
    "url": "https://allratestoday.com/bank-exchange-rate-api/mv/hblmv/",
    "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/mv/hblmv?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/mv/hblmv/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' });

// HBL Maldives's USD row
const r = await client.bankRates('mv', { bank: 'hblmv', ccy: 'USD' });
console.log(`HBL Maldives buys USD at ${r.buy}, sells at ${r.sell} MVR`);

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

FAQ

Where do the HBL Maldives rates come from?

From the bank's own public rates page (https://www.hbl.com/maldives/exchange-rates), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price HBL Maldives shows, with the mid, the spread and the Maldives Monetary Authority rate added.

Are these the official MVR exchange rates?

No. They are HBL Maldives's retail prices for customers. The official rate in the Maldives is the Maldives Monetary Authority 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 HBL Maldives 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 HBL Maldives 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.