National Investment Bank Exchange Rate API: GHS Buy and Sell Rates as JSON

National Investment Bank is a state-owned Ghanaian development and commercial bank founded in 1963. Its home page shows cash buying and selling rates in cedis for the US dollar, pound and euro. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bank of Ghana official rate and with other banks in Ghana, and the calls that return them.

What the NIB board shows

• 3 currencies against the Ghanaian cedi: EUR, GBP and USD. Every value is GHS per 1 unit of the foreign currency.
• The cash (bank notes) buy / sell pair. The Ghana cedi floats and banks publish their own indicative buying and selling rates in cedis per 1 unit of the foreign currency, usually for a short list of major currencies. The Bank of Ghana publishes a daily interbank reference rate, which banks are not bound to use. The Bank of Ghana official rate is shown next to each row.
• USD on 15 November 2026: NIB bought at 11.5 and sold at 12.1 GHS, a spread of 5.08%. The Bank of Ghana official rate was 11.6958, so the bank's mid sat +0.89% from it.
• No timestamp on the bank's page. NIB 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 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 spreads were GBP 3.70%, USD 5.08%, EUR 5.91%. 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 NIB and other banks in Ghana

USD on the 11 boards AllRatesToday reads in Ghana, all captured on 15 November 2026 (the Bank of Ghana official rate was 11.6958):

NIB had the 11th narrowest USD spread of the 11. One call to /api/v1/bank-rates/gh 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/gh/nibgh" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "nibgh",
  "name": "National Investment Bank",
  "country": "gh",
  "quote_ccy": "GHS",
  "bank_updated_at": null,
  "basis": "Cash (bank notes) buy / sell",
  "captured_at": "2026-11-15T11:23:16.292Z",
  "rates": [
    {"ccy":"EUR","buy":12.8,"sell":13.58,"mid":13.19,"spread_pct":5.914,"official":12.9251,"vs_official_pct":2.05},
    {"ccy":"GBP","buy":15.4,"sell":15.98,"mid":15.69,"spread_pct":3.697,"official":15.483,"vs_official_pct":1.337},
    {"ccy":"USD","buy":11.5,"sell":12.1,"mid":11.8,"spread_pct":5.085,"official":11.6958,"vs_official_pct":0.891}
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "nibgh",
  "name": "National Investment Bank",
  "country": "gh",
  "quote_ccy": "GHS",
  "bank_updated_at": null,
  "basis": "Cash (bank notes) buy / sell",
  "captured_at": "2026-11-15T11:23:16.292Z",
  "ccy": "USD",
  "buy": 11.5,
  "sell": 12.1,
  "mid": 11.8,
  "spread_pct": 5.085,
  "official": 11.6958,
  "vs_official_pct": 0.891,
  "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 National Investment Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.nib-ghana.com/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/gh/nibgh/",
    "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/gh/nibgh?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/gh/nibgh/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' });

// National Investment Bank's USD row
const r = await client.bankRates('gh', { bank: 'nibgh', ccy: 'USD' });
console.log(`NIB buys USD at ${r.buy}, sells at ${r.sell} GHS`);

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

FAQ

Where do the National Investment Bank rates come from?

From the bank's own public rates page (https://www.nib-ghana.com/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price NIB shows, with the mid, the spread and the Bank of Ghana rate added.

Are these the official GHS exchange rates?

No. They are NIB's retail prices for customers. The official rate in Ghana is the Bank of Ghana 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 NIB 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 NIB 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.