--- title: "mBank (Slovakia) Exchange Rate API: EUR Buy and Sell Rates as JSON" description: "mBank (Slovakia)'s non-cash list buy / sell rates for 12 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/mbank-slovakia-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: 2026-11-15T19:12:00.886Z --- mBank runs a Slovak branch of the Polish mBank S.A., serving retail customers online. Its kurzový lístok quotes 12 currencies against the euro for buying and selling, with a CSV download. 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 Slovakia, and the calls that return them. ## What the mBank SK board shows - **12 currencies against the euro**: AUD, CAD, CHF, CZK, DKK, GBP, HUF, JPY, NOK, PLN, SEK and USD. Every value is EUR per 1 unit of the foreign currency. - **The non-cash list buy / sell pair.** Slovak banks quote how much foreign currency 1 euro buys, with separate nákup (buy) and predaj (sell) rates for devízy (non-cash) and valuty (cash). The rates here are the devízy pair turned round to euros per 1 unit; the European Central Bank publishes one euro reference rate per business day, shown next to each row. - **USD on 15 November 2026**: mBank SK bought at 0.8792 and sold at 0.9335 EUR, a spread of 6.00%. The European Central Bank official rate was 0.9048, so the bank's mid sat +0.17% from it. - **The bank's own timestamp.** The page prints a last-updated stamp (`2026-11-13 16:35:00` 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 CHF (5.99%), GBP (5.99%), AUD (6.00%) and the widest DKK (6.00%), CAD (6.00%), SEK (6.00%). 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 mBank SK and other banks in Slovakia USD on the 9 boards AllRatesToday reads in Slovakia, all captured on 15 November 2026 (the European Central Bank official rate was 0.9048): | Bank | Buy | Sell | Spread | Mid vs official | | --- | --- | --- | --- | --- | | Slovenská sporiteľňa | 0.8824 | 0.9276 | 5.00% | +0.02% | | VÚB banka | 0.8847 | 0.9255 | 4.50% | +0.03% | | ČSOB (Slovakia) | 0.8615 | 0.9521 | 9.99% | +0.22% | | Prima banka Slovensko | 0.8891 | 0.9162 | 3.00% | -0.24% | | **mBank (Slovakia)** | 0.8792 | 0.9335 | 6.00% | +0.17% | | UniCredit Bank (Slovakia) | 0.88 | 0.9298 | 5.50% | +0.01% | | Fio banka (Slovakia) | 0.8792 | 0.9336 | 6.00% | +0.18% | | Penta Bank | 0.8945 | 0.9174 | 2.54% | +0.13% | | J&T Banka (Slovakia) | 0.8873 | 0.9235 | 4.00% | +0.07% | mBank SK had the 7th narrowest USD spread of the 9. One call to `/api/v1/bank-rates/sk` 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/sk/mbanksk" \ -H "Authorization: Bearer art_live_your_key" ``` What comes back (the 15 November 2026 board, first three rows): ``` { "bank": "mbanksk", "name": "mBank (Slovakia)", "country": "sk", "quote_ccy": "EUR", "bank_updated_at": "2026-11-13 16:35:00", "basis": "Non-cash list buy / sell", "captured_at": "2026-11-15T11:15:46.702Z", "rates": [ {"ccy":"AUD","buy":0.59633848,"sell":0.63319192,"mid":0.6147652,"spread_pct":5.995,"official":0.6139489194499017,"vs_official_pct":0.133}, {"ccy":"CAD","buy":0.61713157,"sell":0.65530799,"mid":0.63621978,"spread_pct":6.001,"official":0.6345982992765579,"vs_official_pct":0.256}, {"ccy":"CHF","buy":1.049979,"sell":1.1148272,"mid":1.0824031,"spread_pct":5.991,"official":1.0792143319663285,"vs_official_pct":0.295}, … 9 more currencies ], "disclaimer": "…", "attribution": { … } } ``` One currency, with the row fields at the top level: ``` curl "https://allratestoday.com/api/v1/bank-rates/sk/mbanksk?ccy=USD" \ -H "Authorization: Bearer art_live_your_key" ``` ``` { "bank": "mbanksk", "name": "mBank (Slovakia)", "country": "sk", "quote_ccy": "EUR", "bank_updated_at": "2026-11-13 16:35:00", "basis": "Non-cash list buy / sell", "captured_at": "2026-11-15T11:15:46.702Z", "ccy": "USD", "buy": 0.87919817, "sell": 0.93353249, "mid": 0.90636533, "spread_pct": 5.995, "official": 0.9048136083966704, "vs_official_pct": 0.171, "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 mBank (Slovakia) on its own website, collected by AllRatesToday", "bank_url": "https://www.mbank.sk/kurzovy-listok/", "url": "https://allratestoday.com/bank-exchange-rate-api/sk/mbanksk/", "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/sk/mbanksk?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/sk/mbanksk/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' }); // mBank (Slovakia)'s USD row const r = await client.bankRates('sk', { bank: 'mbanksk', ccy: 'USD' }); console.log(`mBank SK buys USD at ${r.buy}, sells at ${r.sell} EUR`); // The board as it stood on a past day const past = await client.bankRates('sk', { bank: 'mbanksk', 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/sk/mbanksk", 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 Slovakia name; nobody transacts at it. mBank SK'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 mBank (Slovakia) rates come from? From the bank's own public rates page (https://www.mbank.sk/kurzovy-listok/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price mBank SK shows, with the mid, the spread and the European Central Bank rate added. ### Are these the official EUR exchange rates? No. They are mBank SK's retail prices for customers. The official rate in Slovakia 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 mBank SK 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 mBank SK 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. ## mBank (Slovakia) rates, as JSON Free API key, hourly board captures, the official rate alongside. [Get your free API key](https://allratestoday.com/register/) ## Related - [mBank (Slovakia) live board rates](https://allratestoday.com/bank-exchange-rate-api/sk/mbanksk/) - [All banks in Slovakia side by side](https://allratestoday.com/bank-exchange-rate-api/sk/) - [European Central Bank official rates API](https://allratestoday.com/central-bank-rates-api/ecb/) - [Slovenská sporiteľňa exchange rate API guide](https://allratestoday.com/blog/slovenska-sporitelna-exchange-rate-api/) - [VÚB banka exchange rate API guide](https://allratestoday.com/blog/vub-banka-exchange-rate-api/) - [ČSOB (Slovakia) exchange rate API guide](https://allratestoday.com/blog/csob-slovakia-exchange-rate-api/) - [Prima banka Slovensko exchange rate API guide](https://allratestoday.com/blog/prima-banka-slovensko-exchange-rate-api/) - [UniCredit Bank (Slovakia) exchange rate API guide](https://allratestoday.com/blog/unicredit-bank-slovakia-exchange-rate-api/) - [Fio banka (Slovakia) exchange rate API guide](https://allratestoday.com/blog/fio-banka-slovakia-exchange-rate-api/) - [Penta Bank exchange rate API guide](https://allratestoday.com/blog/penta-bank-exchange-rate-api/) - [J&T Banka (Slovakia) exchange rate API guide](https://allratestoday.com/blog/jandt-banka-slovakia-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/)