---
title: "LHV Pank Exchange Rate API: EUR Buy and Sell Rates as JSON"
description: "LHV Pank's account currency exchange (non-cash) buy / sell rates for 14 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/lhv-pank-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: 2026-11-15T19:04:45.145Z
---

LHV Pank is the largest domestically owned bank in Estonia. Its currency calculator uses buy and sell rates against the euro for 14 currencies, with the update time. 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 Estonia, and the calls that return them.

## What the LHV board shows

- **14 currencies against the euro**: AUD, CAD, CHF, CZK, DKK, GBP, HKD, HUF, JPY, NOK, PLN, RON, SEK and USD. Every value is EUR per 1 unit of the foreign currency.
- **The account currency exchange (non-cash) buy / sell pair.** Estonian banks quote units of foreign currency per 1 euro, with separate bank-buys and bank-sells columns for transfers; they are shown here inverted to euros per unit. The European Central Bank reference rate is shown next to each row.
- **USD on 15 November 2026**: LHV bought at 0.8911 and sold at 0.9239 EUR, a spread of 3.61%. The European Central Bank official rate was 0.9048, so the bank's mid sat +0.30% from it.
- **The bank's own timestamp.** The page prints a last-updated stamp (`2026-11-15T13:15:00.086+02:00` on the board above), returned as `bank_updated_at` next to our `captured_at`.
- **Every day's board is kept permanently, from 15 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 15 November 2026 board the tightest spreads were USD (3.61%), DKK (3.88%), SEK (4.30%) and the widest HUF (9.37%), RON (8.44%), HKD (6.34%). 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 LHV and other banks in Estonia

USD on the 3 boards AllRatesToday reads in Estonia, all captured on 15 November 2026 (the European Central Bank official rate was 0.9048):

| Bank | Buy | Sell | Spread | Mid vs official |
| --- | --- | --- | --- | --- |
| Swedbank | 0.8889 | 0.9206 | 3.51% | -0.01% |
| SEB | 0.8867 | 0.9229 | 4.01% | 0.00% |
| **LHV Pank** | 0.8911 | 0.9239 | 3.61% | +0.30% |

LHV had the 2nd narrowest USD spread of the 3. One call to `/api/v1/bank-rates/ee` 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/ee/lhv" \
  -H "Authorization: Bearer art_live_your_key"
```

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

```
{
  "bank": "lhv",
  "name": "LHV Pank",
  "country": "ee",
  "quote_ccy": "EUR",
  "bank_updated_at": "2026-11-15T13:15:00.086+02:00",
  "basis": "Account currency exchange (non-cash) buy / sell",
  "captured_at": "2026-11-15T11:15:51.068Z",
  "rates": [
    {"ccy":"AUD","buy":0.59982605,"sell":0.62959605,"mid":0.61471105,"spread_pct":4.843,"official":0.6139489194499017,"vs_official_pct":0.124},
    {"ccy":"CAD","buy":0.62069394,"sell":0.65147004,"mid":0.63608199,"spread_pct":4.838,"official":0.6345982992765579,"vs_official_pct":0.234},
    {"ccy":"CHF","buy":1.054908,"sell":1.1093116,"mid":1.0821098,"spread_pct":5.028,"official":1.0792143319663285,"vs_official_pct":0.268},
    … 11 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}
```

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

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

```
{
  "bank": "lhv",
  "name": "LHV Pank",
  "country": "ee",
  "quote_ccy": "EUR",
  "bank_updated_at": "2026-11-15T13:15:00.086+02:00",
  "basis": "Account currency exchange (non-cash) buy / sell",
  "captured_at": "2026-11-15T11:15:51.068Z",
  "ccy": "USD",
  "buy": 0.89109881,
  "sell": 0.92388141,
  "mid": 0.90749011,
  "spread_pct": 3.612,
  "official": 0.9048136083966704,
  "vs_official_pct": 0.296,
  "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 LHV Pank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.lhv.ee/et/valuuta-kalkulaator",
    "url": "https://allratestoday.com/bank-exchange-rate-api/ee/lhv/",
    "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/ee/lhv?date=2026-11-15" \
  -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/ee/lhv/history?ccy=USD&from=2026-11-15&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' });

// LHV Pank's USD row
const r = await client.bankRates('ee', { bank: 'lhv', ccy: 'USD' });
console.log(`LHV buys USD at ${r.buy}, sells at ${r.sell} EUR`);

// The board as it stood on a past day
const past = await client.bankRates('ee', { bank: 'lhv', date: '2026-11-15' });
console.log(past.snapshot_date, past.rates.length);
```

## Python

```
import requests

r = requests.get(
    "https://allratestoday.com/api/v1/bank-rates/ee/lhv",
    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 Estonia name; nobody transacts at it. LHV'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 LHV Pank rates come from?

From the bank's own public rates page (https://www.lhv.ee/et/valuuta-kalkulaator), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price LHV shows, with the mid, the spread and the European Central Bank rate added.

### Are these the official EUR exchange rates?

No. They are LHV's retail prices for customers. The official rate in Estonia 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 LHV 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 LHV rates for a past date?

Yes, from 15 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.

## LHV Pank rates, as JSON

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

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

## Related

- [LHV Pank live board rates](https://allratestoday.com/bank-exchange-rate-api/ee/lhv/)
- [All banks in Estonia side by side](https://allratestoday.com/bank-exchange-rate-api/ee/)
- [European Central Bank official rates API](https://allratestoday.com/central-bank-rates-api/ecb/)
- [Swedbank exchange rate API guide](https://allratestoday.com/blog/swedbank-estonia-exchange-rate-api/)
- [SEB exchange rate API guide](https://allratestoday.com/blog/seb-estonia-exchange-rate-api/)
- [Coop Pank exchange rate API guide](https://allratestoday.com/blog/coop-pank-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/)