Philippine Savings Bank Exchange Rate API: PHP Buy and Sell Rates as JSON

Philippine Savings Bank (PSBank) is the thrift-bank arm of the Metrobank group. Its rates page lists a guiding rate and bank-note buying and selling rates for the US dollar and the euro against the peso; the bank-note rates are shown here. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bangko Sentral ng Pilipinas official rate and with other banks in the Philippines, and the calls that return them.

What the PSBank board shows

• 2 currencies against the Philippine peso: EUR and USD. Every value is PHP per 1 unit of the foreign currency.
• The bank notes (cash) pair. Philippine banks set their own peso buying and selling rates each business day around the interbank US dollar/peso rate, and change them through the day. Notes, drafts and telegraphic transfers often carry different rates, and branch counters can quote differently from the posted board. Bangko Sentral ng Pilipinas sets one official reference rate per business day.
• USD on 15 November 2026: PSBank bought at 63.45 and sold at 64.05 PHP, a spread of 0.94%. The Bangko Sentral ng Pilipinas official rate was 63.559, so the bank's mid sat +0.30% from it.
• The bank's own timestamp. The page prints a last-updated stamp (13-Nov-2026 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 spreads were USD 0.94%, EUR 3.65%. 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 PSBank and other banks in the Philippines

USD on the 10 boards AllRatesToday reads in the Philippines, all captured on 15 November 2026 (the Bangko Sentral ng Pilipinas official rate was 63.559):

PSBank had the 8th narrowest USD spread of the 10. One call to /api/v1/bank-rates/ph 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/ph/psbank" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "psbank",
  "name": "PSBank",
  "country": "ph",
  "quote_ccy": "PHP",
  "bank_updated_at": "13-Nov-2026",
  "basis": "Bank notes (cash)",
  "captured_at": "2026-11-15T11:15:56.075Z",
  "rates": [
    {"ccy":"EUR","buy":69.2049,"sell":71.7808,"mid":70.49285,"spread_pct":3.654,"official":70.2708,"vs_official_pct":0.316},
    {"ccy":"USD","buy":63.45,"sell":64.05,"mid":63.75,"spread_pct":0.941,"official":63.559,"vs_official_pct":0.301}
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "psbank",
  "name": "PSBank",
  "country": "ph",
  "quote_ccy": "PHP",
  "bank_updated_at": "13-Nov-2026",
  "basis": "Bank notes (cash)",
  "captured_at": "2026-11-15T11:15:56.075Z",
  "ccy": "USD",
  "buy": 63.45,
  "sell": 64.05,
  "mid": 63.75,
  "spread_pct": 0.941,
  "official": 63.559,
  "vs_official_pct": 0.301,
  "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 Philippine Savings Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.psbank.com.ph/rates/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/ph/psbank/",
    "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/ph/psbank?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/ph/psbank/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' });

// Philippine Savings Bank's USD row
const r = await client.bankRates('ph', { bank: 'psbank', ccy: 'USD' });
console.log(`PSBank buys USD at ${r.buy}, sells at ${r.sell} PHP`);

// The board as it stood on a past day
const past = await client.bankRates('ph', { bank: 'psbank', 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/ph/psbank",
    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 Bangko Sentral ng Pilipinas rate is the one tax, accounting and customs rules in the Philippines name; nobody transacts at it. PSBank'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 Bangko Sentral ng Pilipinas endpoint when a rule asks for the official rate.

FAQ

Where do the Philippine Savings Bank rates come from?

From the bank's own public rates page (https://www.psbank.com.ph/rates/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price PSBank shows, with the mid, the spread and the Bangko Sentral ng Pilipinas rate added.

Are these the official PHP exchange rates?

No. They are PSBank's retail prices for customers. The official rate in the Philippines is the Bangko Sentral ng Pilipinas 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 PSBank 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 PSBank 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.