Kapital Bank Exchange Rate API: AZN Buy and Sell Rates as JSON

Kapital Bank is one of Azerbaijan’s largest retail banks and runs the Birbank app. Its rates page lists cash, non-cash and card buy and sell rates against the manat; the cash pair is shown here, the same board as ABB’s. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Central Bank of Azerbaijan official rate and with other banks in Azerbaijan, and the calls that return them.

What the Kapital board shows

• 6 currencies against the Azerbaijani manat: AED, CHF, EUR, GBP, TRY and USD. Every value is AZN per 1 unit of the foreign currency.
• The cash buy / sell pair. The manat has been held at 1.70 per US dollar since 2017, so every bank quotes USD on the peg and the spread shows on the euro, sterling and the remittance currencies, where Azerbaijani banks publish separate cash, internet-bank and card boards. The pair here is the cash board. The Central Bank of Azerbaijan sets one official rate a day, which banks print beside their own boards and which tax and customs use.
• USD on 13 November 2026: Kapital bought at 1.695 and sold at 1.702 AZN, a spread of 0.41%. The Central Bank of Azerbaijan official rate was 1.7, so the bank's mid sat -0.09% from it.
• No timestamp on the bank's page. Kapital 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 13 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 13 November 2026 board the tightest spreads were USD (0.41%), EUR (2.77%), GBP (3.13%) and the widest AED (22.97%), TRY (22.95%), CHF (4.65%). 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 Kapital and other banks in Azerbaijan

USD on the 2 boards AllRatesToday reads in Azerbaijan, all captured on 13 November 2026 (the Central Bank of Azerbaijan official rate was 1.7):

Kapital had the 2nd narrowest USD spread of the 2. One call to /api/v1/bank-rates/az 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/az/kapital" \
  -H "Authorization: Bearer art_live_your_key"

What comes back (the 13 November 2026 board, first three rows):

{
  "bank": "kapital",
  "name": "Kapital Bank",
  "country": "az",
  "quote_ccy": "AZN",
  "bank_updated_at": null,
  "basis": "Cash buy / sell",
  "captured_at": "2026-11-13T13:36:17.654Z",
  "rates": [
    {"ccy":"AED","buy":0.37,"sell":0.466,"mid":0.418,"spread_pct":22.967,"official":0.4628,"vs_official_pct":-9.68},
    {"ccy":"CHF","buy":1.996,"sell":2.091,"mid":2.0435,"spread_pct":4.649,"official":2.0356,"vs_official_pct":0.388},
    {"ccy":"EUR","buy":1.854,"sell":1.906,"mid":1.88,"spread_pct":2.766,"official":1.8805,"vs_official_pct":-0.027},
    … 3 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "kapital",
  "name": "Kapital Bank",
  "country": "az",
  "quote_ccy": "AZN",
  "bank_updated_at": null,
  "basis": "Cash buy / sell",
  "captured_at": "2026-11-13T13:36:17.654Z",
  "ccy": "USD",
  "buy": 1.695,
  "sell": 1.702,
  "mid": 1.6985,
  "spread_pct": 0.412,
  "official": 1.7,
  "vs_official_pct": -0.088,
  "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 Kapital Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.kapitalbank.az/en/currency-rates",
    "url": "https://allratestoday.com/bank-exchange-rate-api/az/kapital/",
    "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/az/kapital?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/az/kapital/history?ccy=USD&from=2026-11-13&to=2026-11-13" \
  -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' });

// Kapital Bank's USD row
const r = await client.bankRates('az', { bank: 'kapital', ccy: 'USD' });
console.log(`Kapital buys USD at ${r.buy}, sells at ${r.sell} AZN`);

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

FAQ

Where do the Kapital Bank rates come from?

From the bank's own public rates page (https://www.kapitalbank.az/en/currency-rates), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Kapital shows, with the mid, the spread and the Central Bank of Azerbaijan rate added.

Are these the official AZN exchange rates?

No. They are Kapital's retail prices for customers. The official rate in Azerbaijan is the Central Bank of Azerbaijan 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 Kapital 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 Kapital 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.