Kyoto Chuo Shinkin Bank Exchange Rate API: JPY Buy and Sell Rates as JSON

Kyoto Chuo Shinkin Bank is the largest shinkin bank in Japan by deposits, based in Kyoto. Its daily posted-rates sheet lists TTS and TTB against the yen for 15 currencies. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bank of Japan official rate and with other banks in Japan, and the calls that return them.

What the Kyoto Chuo Shinkin board shows

• 15 currencies against the Japanese yen: AUD, CAD, CHF, CNY, DKK, EUR, GBP, HKD, KRW, NOK, NZD, SEK, SGD, THB and USD. Every value is JPY per 1 unit of the foreign currency.
• The TTB / TTS (telegraphic transfer) pair. The Bank of Japan does not publish a daily multi-currency reference table. Japanese accounting and tax practice use a bank’s TTM (the midpoint of its TTS selling and TTB buying rates for telegraphic transfers), and MUFG Bank’s board, set once a day at about 11:00 Tokyo time, is the standard one. The central bank comparison here is its USD/JPY Tokyo market rate.
• USD on 15 November 2026: Kyoto Chuo Shinkin bought at 158.89 and sold at 160.89 JPY, a spread of 1.25%. The Bank of Japan official rate was 158.88, so the bank's mid sat +0.64% from it.
• The bank's own timestamp. The page prints a last-updated stamp (2026-11-13 (Tokyo) 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 (1.25%), EUR (1.70%), CNY (2.50%) and the widest SEK (5.02%), NZD (4.52%), DKK (4.23%). 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 Kyoto Chuo Shinkin and other banks in Japan

USD on the 72 boards AllRatesToday reads in Japan, all captured on 15 November 2026 (the Bank of Japan official rate was 158.88):

Kyoto Chuo Shinkin had the 68th narrowest USD spread of the 72. One call to /api/v1/bank-rates/jp 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/jp/kyotochuo" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "kyotochuo",
  "name": "Kyoto Chuo Shinkin Bank",
  "country": "jp",
  "quote_ccy": "JPY",
  "bank_updated_at": "2026-11-13 (Tokyo)",
  "basis": "TTB / TTS (telegraphic transfer)",
  "captured_at": "2026-11-15T11:37:41.778Z",
  "rates": [
    {"ccy":"AUD","buy":106.69,"sell":110.69,"mid":108.69,"spread_pct":3.68,"official":null,"vs_official_pct":null},
    {"ccy":"CAD","buy":110.5,"sell":113.7,"mid":112.1,"spread_pct":2.855,"official":null,"vs_official_pct":null},
    {"ccy":"CHF","buy":187.75,"sell":194.75,"mid":191.25,"spread_pct":3.66,"official":null,"vs_official_pct":null},
    … 12 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "kyotochuo",
  "name": "Kyoto Chuo Shinkin Bank",
  "country": "jp",
  "quote_ccy": "JPY",
  "bank_updated_at": "2026-11-13 (Tokyo)",
  "basis": "TTB / TTS (telegraphic transfer)",
  "captured_at": "2026-11-15T11:37:41.778Z",
  "ccy": "USD",
  "buy": 158.89,
  "sell": 160.89,
  "mid": 159.89,
  "spread_pct": 1.251,
  "official": 158.88,
  "vs_official_pct": 0.636,
  "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 Kyoto Chuo Shinkin Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.chushin.co.jp/exchange/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/jp/kyotochuo/",
    "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/jp/kyotochuo?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/jp/kyotochuo/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' });

// Kyoto Chuo Shinkin Bank's USD row
const r = await client.bankRates('jp', { bank: 'kyotochuo', ccy: 'USD' });
console.log(`Kyoto Chuo Shinkin buys USD at ${r.buy}, sells at ${r.sell} JPY`);

// The board as it stood on a past day
const past = await client.bankRates('jp', { bank: 'kyotochuo', 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/jp/kyotochuo",
    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 Japan rate is the one tax, accounting and customs rules in Japan name; nobody transacts at it. Kyoto Chuo Shinkin'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 Japan endpoint when a rule asks for the official rate.

FAQ

Where do the Kyoto Chuo Shinkin Bank rates come from?

From the bank's own public rates page (https://www.chushin.co.jp/exchange/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Kyoto Chuo Shinkin shows, with the mid, the spread and the Bank of Japan rate added.

Are these the official JPY exchange rates?

No. They are Kyoto Chuo Shinkin's retail prices for customers. The official rate in Japan is the Bank of Japan 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 Kyoto Chuo Shinkin 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 Kyoto Chuo Shinkin 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.