---
title: "Masraf Al Rayan Exchange Rate API: QAR Buy and Sell Rates as JSON"
description: "Masraf Al Rayan's remittance (transfer) buy / sell rates for 15 currencies against the Qatari riyal, read hourly from the bank's own page and served as JSON with the Qatar Central Bank official rate alongside. REST, JavaScript and Python examples."
canonical: https://allratestoday.com/blog/masraf-al-rayan-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: 2026-11-15T19:05:16.057Z
---

Masraf Al Rayan is a Qatari Islamic bank founded in 2006 that merged with Al Khalij Commercial Bank in 2021. Its exchange-rate page lists remittance and cash buying and selling rates in riyals for about 25 currencies, with a last-refreshed time. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Qatar Central Bank official rate and with other banks in Qatar, and the calls that return them.

## What the Al Rayan board shows

- **15 currencies against the Qatari riyal**: AED, BHD, CAD, CHF, EUR, GBP, HKD, JOD, JPY, KWD, OMR, SAR, SGD, TRY and USD. Every value is QAR per 1 unit of the foreign currency.
- **The remittance (transfer) buy / sell pair.** The Qatari riyal is pegged at 3.64 per US dollar, so every bank quotes USD within a fraction of a percent of the peg. The spread that matters is on the other currencies. The board shown is the bank’s branch remittance (TT) rate. Remittance currencies printed with a selling rate only are left out. Qatar Central Bank’s official rate is shown next to each row.
- **USD on 15 November 2026**: Al Rayan bought at 3.63 and sold at 3.65 QAR, a spread of 0.55%. The Qatar Central Bank official rate was 3.64, so the bank's mid matched it.
- **The bank's own timestamp.** The page prints a last-updated stamp (`2026-11-15 02:22:56 (Doha)` 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 (0.55%), AED (2.68%), BHD (2.68%) and the widest TRY (13.27%), HKD (9.71%), JPY (5.98%). 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 Al Rayan and other banks in Qatar

USD on the 4 boards AllRatesToday reads in Qatar, all captured on 15 November 2026 (the Qatar Central Bank official rate was 3.64):

| Bank | Buy | Sell | Spread | Mid vs official |
| --- | --- | --- | --- | --- |
| Commercial Bank of Qatar | 3.63 | 3.65 | 0.55% | 0.00% |
| Qatar Islamic Bank | 3.6325 | 3.65 | 0.48% | +0.03% |
| QIIB (Qatar International Islamic Bank) | 3.6325 | 3.65 | 0.48% | +0.03% |
| **Masraf Al Rayan** | 3.63 | 3.65 | 0.55% | 0.00% |

Al Rayan had the 4th narrowest USD spread of the 4. One call to `/api/v1/bank-rates/qa` 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/qa/alrayan" \
  -H "Authorization: Bearer art_live_your_key"
```

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

```
{
  "bank": "alrayan",
  "name": "Masraf Al Rayan",
  "country": "qa",
  "quote_ccy": "QAR",
  "bank_updated_at": "2026-11-15 02:22:56 (Doha)",
  "basis": "Remittance (transfer) buy / sell",
  "captured_at": "2026-11-15T11:22:57.107Z",
  "rates": [
    {"ccy":"AED","buy":0.98622,"sell":1.01298,"mid":0.9996,"spread_pct":2.677,"official":null,"vs_official_pct":null},
    {"ccy":"BHD","buy":9.60566,"sell":9.86632,"mid":9.73599,"spread_pct":2.677,"official":null,"vs_official_pct":null},
    {"ccy":"CAD","buy":2.50004,"sell":2.6531,"mid":2.57657,"spread_pct":5.94,"official":2.5564,"vs_official_pct":0.789},
    … 12 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}
```

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

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

```
{
  "bank": "alrayan",
  "name": "Masraf Al Rayan",
  "country": "qa",
  "quote_ccy": "QAR",
  "bank_updated_at": "2026-11-15 02:22:56 (Doha)",
  "basis": "Remittance (transfer) buy / sell",
  "captured_at": "2026-11-15T11:22:57.107Z",
  "ccy": "USD",
  "buy": 3.63,
  "sell": 3.65,
  "mid": 3.64,
  "spread_pct": 0.549,
  "official": 3.64,
  "vs_official_pct": 0,
  "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 Masraf Al Rayan on its own website, collected by AllRatesToday",
    "bank_url": "https://ebanking.alrayan.com/MAR.DisplayExchangeRate/Default.aspx",
    "url": "https://allratestoday.com/bank-exchange-rate-api/qa/alrayan/",
    "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/qa/alrayan?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/qa/alrayan/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' });

// Masraf Al Rayan's USD row
const r = await client.bankRates('qa', { bank: 'alrayan', ccy: 'USD' });
console.log(`Al Rayan buys USD at ${r.buy}, sells at ${r.sell} QAR`);

// The board as it stood on a past day
const past = await client.bankRates('qa', { bank: 'alrayan', 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/qa/alrayan",
    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 Qatar Central Bank rate is the one tax, accounting and customs rules in Qatar name; nobody transacts at it. Al Rayan'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 [Qatar Central Bank endpoint](https://allratestoday.com/central-bank-rates-api/qcb/) when a rule asks for the official rate.

## FAQ

### Where do the Masraf Al Rayan rates come from?

From the bank's own public rates page (https://ebanking.alrayan.com/MAR.DisplayExchangeRate/Default.aspx), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Al Rayan shows, with the mid, the spread and the Qatar Central Bank rate added.

### Are these the official QAR exchange rates?

No. They are Al Rayan's retail prices for customers. The official rate in Qatar is the Qatar 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 Al Rayan 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 Al Rayan 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.

## Masraf Al Rayan rates, as JSON

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

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

## Related

- [Masraf Al Rayan live board rates](https://allratestoday.com/bank-exchange-rate-api/qa/alrayan/)
- [All banks in Qatar side by side](https://allratestoday.com/bank-exchange-rate-api/qa/)
- [Qatar Central Bank official rates API](https://allratestoday.com/central-bank-rates-api/qcb/)
- [Commercial Bank of Qatar exchange rate API guide](https://allratestoday.com/blog/commercial-bank-of-qatar-exchange-rate-api/)
- [Qatar Islamic Bank exchange rate API guide](https://allratestoday.com/blog/qatar-islamic-bank-exchange-rate-api/)
- [QIIB (Qatar International Islamic Bank) exchange rate API guide](https://allratestoday.com/blog/qiib-qatar-international-islamic-bank-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/)