JN Bank Exchange Rate API: JMD Buy and Sell Rates as JSON

JN Bank is the Jamaican commercial bank of the Jamaica National Group. Its foreign-exchange page lists cheque, cash and online buying rates and online and branch selling rates in Jamaican dollars. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bank of Jamaica official rate and with other banks in Jamaica, and the calls that return them.

What the JN Bank board shows

• 4 currencies against the Jamaican dollar: CAD, EUR, GBP and USD. Every value is JMD per 1 unit of the foreign currency.
• The cheque buy, branch sell pair. Jamaican banks print separate buying rates for cash and for demand drafts, cheques and transfers, against one selling rate; the Jamaican dollar floats and boards are mostly USD, GBP, CAD and EUR. The rates here are the non-cash buying rate against the selling rate. The Bank of Jamaica official rate is shown next to each row.
• USD on 15 November 2026: JN Bank bought at 152.5 and sold at 159.5 JMD, a spread of 4.49%. The Bank of Jamaica official rate was 159.22, so the bank's mid sat -2.02% from it.
• The bank's own timestamp. The page prints a last-updated stamp (November 13, 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 USD (4.49%), CAD (5.11%), GBP (5.64%) and the widest EUR (6.45%), GBP (5.64%), CAD (5.11%). 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 JN Bank and other banks in Jamaica

USD on the 5 boards AllRatesToday reads in Jamaica, all captured on 15 November 2026 (the Bank of Jamaica official rate was 159.22):

JN Bank had the 4th narrowest USD spread of the 5. One call to /api/v1/bank-rates/jm 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/jm/jnbank" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "jnbank",
  "name": "JN Bank",
  "country": "jm",
  "quote_ccy": "JMD",
  "bank_updated_at": "November 13, 2026",
  "basis": "Cheque buy, branch sell",
  "captured_at": "2026-11-15T11:16:11.466Z",
  "rates": [
    {"ccy":"CAD","buy":107.71,"sell":113.36,"mid":110.535,"spread_pct":5.112,"official":111.6204,"vs_official_pct":-0.972},
    {"ccy":"EUR","buy":170.07,"sell":181.4,"mid":175.735,"spread_pct":6.447,"official":181.2967,"vs_official_pct":-3.068},
    {"ccy":"GBP","buy":200.81,"sell":212.47,"mid":206.64,"spread_pct":5.643,"official":212.4402,"vs_official_pct":-2.73},
    … 1 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "jnbank",
  "name": "JN Bank",
  "country": "jm",
  "quote_ccy": "JMD",
  "bank_updated_at": "November 13, 2026",
  "basis": "Cheque buy, branch sell",
  "captured_at": "2026-11-15T11:16:11.466Z",
  "ccy": "USD",
  "buy": 152.5,
  "sell": 159.5,
  "mid": 156,
  "spread_pct": 4.487,
  "official": 159.2157,
  "vs_official_pct": -2.02,
  "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 JN Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.jnbank.com/foreign-exchange-rates/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/jm/jnbank/",
    "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/jm/jnbank?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/jm/jnbank/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' });

// JN Bank's USD row
const r = await client.bankRates('jm', { bank: 'jnbank', ccy: 'USD' });
console.log(`JN Bank buys USD at ${r.buy}, sells at ${r.sell} JMD`);

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

FAQ

Where do the JN Bank rates come from?

From the bank's own public rates page (https://www.jnbank.com/foreign-exchange-rates/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price JN Bank shows, with the mid, the spread and the Bank of Jamaica rate added.

Are these the official JMD exchange rates?

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