--- title: "Hypo Tirol Bank Exchange Rate API: EUR Buy and Sell Rates as JSON" description: "Hypo Tirol Bank's devisen fixing (non-cash) ankauf / verkauf rates for 25 currencies against the euro, read hourly from the bank's own page and served as JSON with the European Central Bank official rate alongside. REST, JavaScript and Python examples." canonical: https://allratestoday.com/blog/hypo-tirol-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: 2026-11-15T19:06:02.279Z --- Hypo Tirol Bank is the state-owned regional bank of Tyrol, based in Innsbruck. Its markets pages list the daily Devisen and Valuten buy and sell rates per euro for about 25 currencies. This guide shows how to read that board as JSON: what the rates mean, how they compare with the European Central Bank official rate and with other banks in Austria, and the calls that return them. ## What the Hypo Tirol board shows - **25 currencies against the euro**: AED, AUD, CAD, CHF, CNY, CZK, DKK, GBP, HKD, HUF, IDR, ILS, JPY, MXN, NOK, NZD, PLN, RON, RSD, RUB, SEK, SGD, THB, USD and ZAR. Every value is EUR per 1 unit of the foreign currency. - **The devisen fixing (non-cash) ankauf / verkauf pair.** Austrian banks quote how much foreign currency 1 euro buys, with a Geld and a Brief rate, separately for Devisen (non-cash) and Valuten (cash). The rates here are the Devisen pair turned round to euros per 1 unit; the European Central Bank publishes one euro reference rate per business day. The European Central Bank official rate is shown next to each row. - **USD on 15 November 2026**: Hypo Tirol bought at 0.9001 and sold at 0.9083 EUR, a spread of 0.90%. The European Central Bank official rate was 0.9048, so the bank's mid sat -0.07% from it. - **The bank's own timestamp.** The page prints a last-updated stamp (`13.11.2026` 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 SEK (0.72%), JPY (0.73%), NOK (0.76%) and the widest ILS (7.90%), THB (7.28%), IDR (6.95%). 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 Hypo Tirol and other banks in Austria USD on the 15 boards AllRatesToday reads in Austria, all captured on 15 November 2026 (the European Central Bank official rate was 0.9048): | Bank | Buy | Sell | Spread | Mid vs official | | --- | --- | --- | --- | --- | | Erste Bank | 0.9001 | 0.9089 | 0.98% | -0.03% | | Raiffeisenlandesbank Oberösterreich | 0.902 | 0.9102 | 0.91% | +0.15% | | Raiffeisen-Landesbank Tirol | 0.9009 | 0.9091 | 0.91% | +0.02% | | UniCredit Bank Austria | 0.9009 | 0.9091 | 0.91% | +0.02% | | Hypo Vorarlberg | 0.9002 | 0.9103 | 1.12% | +0.05% | | Volksbank Wien | 0.9012 | 0.9094 | 0.91% | +0.06% | | Bankhaus Schelhammer | 0.9003 | 0.9083 | 0.89% | -0.06% | | BKS Bank | 0.9021 | 0.9103 | 0.91% | +0.16% | | Raiffeisen-Landesbank Steiermark | 0.9012 | 0.9094 | 0.91% | +0.06% | | Oberbank | 0.9001 | 0.9107 | 1.18% | +0.07% | | **Hypo Tirol Bank** | 0.9001 | 0.9083 | 0.90% | -0.07% | | Raiffeisen Bank International | 0.9012 | 0.9094 | 0.91% | +0.06% | | Schoellerbank | 0.9003 | 0.9083 | 0.89% | -0.06% | | Bankhaus Carl Spängler | 0.9007 | 0.9093 | 0.96% | +0.02% | | DenizBank AG | 0.8871 | 0.9282 | 4.54% | +0.32% | Hypo Tirol had the 3rd narrowest USD spread of the 15. One call to `/api/v1/bank-rates/at` 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/at/hypotirol" \ -H "Authorization: Bearer art_live_your_key" ``` What comes back (the 15 November 2026 board, first three rows): ``` { "bank": "hypotirol", "name": "Hypo Tirol Bank", "country": "at", "quote_ccy": "EUR", "bank_updated_at": "13.11.2026", "basis": "Devisen fixing (non-cash) Ankauf / Verkauf", "captured_at": "2026-11-15T11:37:34.720Z", "rates": [ {"ccy":"AED","buy":0.24752475,"sell":0.25773196,"mid":0.25262835,"spread_pct":4.04,"official":null,"vs_official_pct":null}, {"ccy":"AUD","buy":0.61061244,"sell":0.61816159,"mid":0.61438702,"spread_pct":1.229,"official":0.6139489194499017,"vs_official_pct":0.071}, {"ccy":"CAD","buy":0.63103427,"sell":0.63747052,"mid":0.6342524,"spread_pct":1.015,"official":0.6345982992765579,"vs_official_pct":-0.055}, … 22 more currencies ], "disclaimer": "…", "attribution": { … } } ``` One currency, with the row fields at the top level: ``` curl "https://allratestoday.com/api/v1/bank-rates/at/hypotirol?ccy=USD" \ -H "Authorization: Bearer art_live_your_key" ``` ``` { "bank": "hypotirol", "name": "Hypo Tirol Bank", "country": "at", "quote_ccy": "EUR", "bank_updated_at": "13.11.2026", "basis": "Devisen fixing (non-cash) Ankauf / Verkauf", "captured_at": "2026-11-15T11:37:34.720Z", "ccy": "USD", "buy": 0.90009001, "sell": 0.90826521, "mid": 0.90417761, "spread_pct": 0.904, "official": 0.9048136083966704, "vs_official_pct": -0.07, "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 Hypo Tirol Bank on its own website, collected by AllRatesToday", "bank_url": "https://kurse.banking.co.at/responsive/002/Default.aspx?action=currenciesOverview&lang=de", "url": "https://allratestoday.com/bank-exchange-rate-api/at/hypotirol/", "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/at/hypotirol?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/at/hypotirol/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' }); // Hypo Tirol Bank's USD row const r = await client.bankRates('at', { bank: 'hypotirol', ccy: 'USD' }); console.log(`Hypo Tirol buys USD at ${r.buy}, sells at ${r.sell} EUR`); // The board as it stood on a past day const past = await client.bankRates('at', { bank: 'hypotirol', 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/at/hypotirol", 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 European Central Bank rate is the one tax, accounting and customs rules in Austria name; nobody transacts at it. Hypo Tirol'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 [European Central Bank endpoint](https://allratestoday.com/central-bank-rates-api/ecb/) when a rule asks for the official rate. ## FAQ ### Where do the Hypo Tirol Bank rates come from? From the bank's own public rates page (https://kurse.banking.co.at/responsive/002/Default.aspx?action=currenciesOverview&lang=de), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Hypo Tirol shows, with the mid, the spread and the European Central Bank rate added. ### Are these the official EUR exchange rates? No. They are Hypo Tirol's retail prices for customers. The official rate in Austria is the European Central Bank 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 Hypo Tirol 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 Hypo Tirol 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. ## Hypo Tirol Bank rates, as JSON Free API key, hourly board captures, the official rate alongside. [Get your free API key](https://allratestoday.com/register/) ## Related - [Hypo Tirol Bank live board rates](https://allratestoday.com/bank-exchange-rate-api/at/hypotirol/) - [All banks in Austria side by side](https://allratestoday.com/bank-exchange-rate-api/at/) - [European Central Bank official rates API](https://allratestoday.com/central-bank-rates-api/ecb/) - [Erste Bank exchange rate API guide](https://allratestoday.com/blog/erste-bank-exchange-rate-api/) - [Raiffeisenlandesbank Oberösterreich exchange rate API guide](https://allratestoday.com/blog/raiffeisenlandesbank-oberosterreich-exchange-rate-api/) - [Raiffeisen-Landesbank Tirol exchange rate API guide](https://allratestoday.com/blog/raiffeisen-landesbank-tirol-exchange-rate-api/) - [UniCredit Bank Austria exchange rate API guide](https://allratestoday.com/blog/unicredit-bank-austria-exchange-rate-api/) - [Hypo Vorarlberg exchange rate API guide](https://allratestoday.com/blog/hypo-vorarlberg-exchange-rate-api/) - [Volksbank Wien exchange rate API guide](https://allratestoday.com/blog/volksbank-wien-exchange-rate-api/) - [Bankhaus Schelhammer exchange rate API guide](https://allratestoday.com/blog/bankhaus-schelhammer-exchange-rate-api/) - [BKS Bank exchange rate API guide](https://allratestoday.com/blog/bks-bank-exchange-rate-api/) - [Raiffeisen-Landesbank Steiermark exchange rate API guide](https://allratestoday.com/blog/raiffeisen-landesbank-steiermark-exchange-rate-api/) - [Oberbank exchange rate API guide](https://allratestoday.com/blog/oberbank-exchange-rate-api/) - [Raiffeisen Bank International exchange rate API guide](https://allratestoday.com/blog/raiffeisen-bank-international-exchange-rate-api/) - [Schoellerbank exchange rate API guide](https://allratestoday.com/blog/schoellerbank-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/)