---
title: "Home Credit Bank Kazakhstan Exchange Rate API: KZT Buy and Sell Rates as JSON"
description: "Home Credit Bank Kazakhstan's home.kz app conversion rates for 3 currencies against the Kazakhstani tenge, read hourly from the bank's own page and served as JSON with the National Bank of Kazakhstan official rate alongside. REST, JavaScript and Python examples."
canonical: https://allratestoday.com/blog/home-credit-bank-kazakhstan-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: 2026-11-15T19:21:58.682Z
---

Home Credit Bank is a Kazakh retail and consumer-lending bank headquartered in Almaty. Its currency page lists the buying and selling rates for exchanging tenge in the Home.kz app for the US dollar, euro and yuan. This guide shows how to read that board as JSON: what the rates mean, how they compare with the National Bank of Kazakhstan official rate and with other banks in Kazakhstan, and the calls that return them.

## What the Home Credit board shows

- **3 currencies against the Kazakhstani tenge**: CNY, EUR and USD. Every value is KZT per 1 unit of the foreign currency.
- **The home.kz app conversion pair.** The tenge floats, and Kazakh banks post separate boards for individuals and for companies, changing them through the day. The pair here is the board for individuals. The National Bank of Kazakhstan sets one official rate per day, which tax and customs use.
- **USD on 15 November 2026**: Home Credit bought at 443.4 and sold at 448.4 KZT, a spread of 1.12%. The National Bank of Kazakhstan official rate was 443.62, so the bank's mid sat +0.51% from it.
- **The bank's own timestamp.** The page prints a last-updated stamp (`2026-11-13T17:01:02.553+05:00` 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 spreads were USD 1.12%, EUR 2.03%, CNY 8.97%. 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 Home Credit and other banks in Kazakhstan

USD on the 10 boards AllRatesToday reads in Kazakhstan, all captured on 15 November 2026 (the National Bank of Kazakhstan official rate was 443.62):

| Bank | Buy | Sell | Spread | Mid vs official |
| --- | --- | --- | --- | --- |
| Halyk Bank | 441.85 | 448.85 | 1.57% | +0.39% |
| Bank CenterCredit | 443.4 | 448.5 | 1.14% | +0.53% |
| Freedom Bank Kazakhstan | 442.5 | 449.5 | 1.57% | +0.54% |
| Eurasian Bank | 441.5 | 448.5 | 1.57% | +0.31% |
| Bank RBK | 444.1 | 446.95 | 0.64% | +0.43% |
| **Home Credit Bank Kazakhstan** | 443.4 | 448.4 | 1.12% | +0.51% |
| Shinhan Bank Kazakhstan | 438 | 449 | 2.48% | -0.03% |
| Altyn Bank | 444 | 448 | 0.90% | +0.54% |
| Bereke Bank | 444.45 | 447.55 | 0.69% | +0.54% |
| Nurbank | 440 | 447 | 1.58% | -0.03% |

Home Credit had the 4th narrowest USD spread of the 10. One call to `/api/v1/bank-rates/kz` 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/kz/homecreditkz" \
  -H "Authorization: Bearer art_live_your_key"
```

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

```
{
  "bank": "homecreditkz",
  "name": "Home Credit Bank Kazakhstan",
  "country": "kz",
  "quote_ccy": "KZT",
  "bank_updated_at": "2026-11-13T17:01:02.553+05:00",
  "basis": "Home.kz app conversion",
  "captured_at": "2026-11-15T11:52:42.437Z",
  "rates": [
    {"ccy":"CNY","buy":63.85,"sell":69.85,"mid":66.85,"spread_pct":8.975,"official":66.53,"vs_official_pct":0.481},
    {"ccy":"EUR","buy":488.12,"sell":498.12,"mid":493.12,"spread_pct":2.028,"official":492.24,"vs_official_pct":0.179},
    {"ccy":"USD","buy":443.4,"sell":448.4,"mid":445.9,"spread_pct":1.121,"official":443.62,"vs_official_pct":0.514}
  ],
  "disclaimer": "…",
  "attribution": { … }
}
```

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

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

```
{
  "bank": "homecreditkz",
  "name": "Home Credit Bank Kazakhstan",
  "country": "kz",
  "quote_ccy": "KZT",
  "bank_updated_at": "2026-11-13T17:01:02.553+05:00",
  "basis": "Home.kz app conversion",
  "captured_at": "2026-11-15T11:52:42.437Z",
  "ccy": "USD",
  "buy": 443.4,
  "sell": 448.4,
  "mid": 445.9,
  "spread_pct": 1.121,
  "official": 443.62,
  "vs_official_pct": 0.514,
  "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 Home Credit Bank Kazakhstan on its own website, collected by AllRatesToday",
    "bank_url": "https://home.kz/currency",
    "url": "https://allratestoday.com/bank-exchange-rate-api/kz/homecreditkz/",
    "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/kz/homecreditkz?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/kz/homecreditkz/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' });

// Home Credit Bank Kazakhstan's USD row
const r = await client.bankRates('kz', { bank: 'homecreditkz', ccy: 'USD' });
console.log(`Home Credit buys USD at ${r.buy}, sells at ${r.sell} KZT`);

// The board as it stood on a past day
const past = await client.bankRates('kz', { bank: 'homecreditkz', 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/kz/homecreditkz",
    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 National Bank of Kazakhstan rate is the one tax, accounting and customs rules in Kazakhstan name; nobody transacts at it. Home Credit'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 [National Bank of Kazakhstan endpoint](https://allratestoday.com/central-bank-rates-api/nbk/) when a rule asks for the official rate.

## FAQ

### Where do the Home Credit Bank Kazakhstan rates come from?

From the bank's own public rates page (https://home.kz/currency), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Home Credit shows, with the mid, the spread and the National Bank of Kazakhstan rate added.

### Are these the official KZT exchange rates?

No. They are Home Credit's retail prices for customers. The official rate in Kazakhstan is the National Bank of Kazakhstan 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 Home Credit 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 Home Credit 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.

## Home Credit Bank Kazakhstan rates, as JSON

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

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

## Related

- [Home Credit Bank Kazakhstan live board rates](https://allratestoday.com/bank-exchange-rate-api/kz/homecreditkz/)
- [All banks in Kazakhstan side by side](https://allratestoday.com/bank-exchange-rate-api/kz/)
- [National Bank of Kazakhstan official rates API](https://allratestoday.com/central-bank-rates-api/nbk/)
- [Halyk Bank exchange rate API guide](https://allratestoday.com/blog/halyk-bank-exchange-rate-api/)
- [Bank CenterCredit exchange rate API guide](https://allratestoday.com/blog/bank-centercredit-exchange-rate-api/)
- [Freedom Bank Kazakhstan exchange rate API guide](https://allratestoday.com/blog/freedom-bank-kazakhstan-exchange-rate-api/)
- [Eurasian Bank exchange rate API guide](https://allratestoday.com/blog/eurasian-bank-exchange-rate-api/)
- [Bank RBK exchange rate API guide](https://allratestoday.com/blog/bank-rbk-exchange-rate-api/)
- [Shinhan Bank Kazakhstan exchange rate API guide](https://allratestoday.com/blog/shinhan-bank-kazakhstan-exchange-rate-api/)
- [Altyn Bank exchange rate API guide](https://allratestoday.com/blog/altyn-bank-exchange-rate-api/)
- [Bereke Bank exchange rate API guide](https://allratestoday.com/blog/bereke-bank-exchange-rate-api/)
- [Nurbank exchange rate API guide](https://allratestoday.com/blog/nurbank-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/)