--- title: "Privredna banka Zagreb (PBZ) Exchange Rate API: EUR Buy and Sell Rates as JSON" description: "Privredna banka Zagreb (PBZ)'s non-cash (devize) buy / sell rates for 13 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/privredna-banka-zagreb-pbz-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: 2026-11-15T19:12:40.061Z --- Privredna banka Zagreb (PBZ) is Croatia’s second-largest bank, part of Italy’s Intesa Sanpaolo. Its daily rate list gives non-cash and cash buying and selling rates per euro for 14 currencies. 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 Croatia, and the calls that return them. ## What the PBZ board shows - **13 currencies against the euro**: AUD, BAM, 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 (devize) buy / sell pair.** Croatia joined the euro in 2023; bank lists quote foreign currency per 1 euro with buying, middle (ECB-based) and selling rates for devize (non-cash), and separate, wider lists for cash. The European Central Bank official rate is shown next to each row. - **USD on 15 November 2026**: PBZ bought at 0.8748 and sold at 0.9383 EUR, a spread of 7.00%. The European Central Bank official rate was 0.9048, so the bank's mid sat +0.20% from it. - **The bank's own timestamp.** The page prints a last-updated stamp (`2026-11-14T00:00:00.000+00:00` on the board above), returned as `bank_updated_at` next to our `captured_at`. - **Every day's board is kept permanently, from 14 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 AUD (7.00%), BAM (7.00%), CAD (7.00%) and the widest PLN (8.00%), NOK (8.00%), HUF (8.00%). 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 PBZ and other banks in Croatia USD on the 17 boards AllRatesToday reads in Croatia, all captured on 15 November 2026 (the European Central Bank official rate was 0.9048): | Bank | Buy | Sell | Spread | Mid vs official | | --- | --- | --- | --- | --- | | **Privredna banka Zagreb (PBZ)** | 0.8748 | 0.9383 | 7.00% | +0.20% | | Zagrebačka banka | 0.87 | 0.9425 | 8.00% | +0.16% | | Erste Bank Croatia | 0.8791 | 0.9321 | 5.85% | +0.09% | | Addiko Bank (Croatia) | 0.877 | 0.9344 | 6.33% | +0.10% | | Hrvatska poštanska banka (HPB) | 0.8785 | 0.9328 | 6.00% | +0.09% | | Raiffeisenbank Austria (Croatia) | 0.8733 | 0.9389 | 7.24% | +0.14% | | OTP banka (Croatia) | 0.8695 | 0.9323 | 6.96% | -0.43% | | Agram banka | 0.8742 | 0.9333 | 6.53% | -0.12% | | Istarska kreditna banka Umag | 0.8742 | 0.9376 | 7.00% | +0.12% | | Podravska banka | 0.8825 | 0.9278 | 5.00% | +0.04% | | KentBank | 0.8798 | 0.9305 | 5.60% | +0.03% | | Croatia banka | 0.8746 | 0.9301 | 6.15% | -0.27% | | Imex banka | 0.8691 | 0.9385 | 7.69% | -0.11% | | Karlovačka banka | 0.8678 | 0.9337 | 7.32% | -0.45% | | Samoborska banka | 0.8677 | 0.94 | 8.00% | -0.10% | | Slatinska banka | 0.8497 | 0.9676 | 12.97% | +0.42% | | J&T banka (Croatia) | 0.8788 | 0.9331 | 6.00% | +0.13% | PBZ had the 10th narrowest USD spread of the 17. One call to `/api/v1/bank-rates/hr` 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/hr/pbz" \ -H "Authorization: Bearer art_live_your_key" ``` What comes back (the 15 November 2026 board, first three rows): ``` { "bank": "pbz", "name": "Privredna banka Zagreb (PBZ)", "country": "hr", "quote_ccy": "EUR", "bank_updated_at": "2026-11-14T00:00:00.000+00:00", "basis": "Non-cash (devize) buy / sell", "captured_at": "2026-11-15T11:37:26.620Z", "rates": [ {"ccy":"AUD","buy":0.59380695,"sell":0.63688102,"mid":0.61534398,"spread_pct":7,"official":0.6139489194499017,"vs_official_pct":0.227}, {"ccy":"BAM","buy":0.49400183,"sell":0.52983613,"mid":0.51191898,"spread_pct":7,"official":null,"vs_official_pct":null}, {"ccy":"CAD","buy":0.61413216,"sell":0.65868082,"mid":0.63640649,"spread_pct":7,"official":0.6345982992765579,"vs_official_pct":0.285}, … 10 more currencies ], "disclaimer": "…", "attribution": { … } } ``` One currency, with the row fields at the top level: ``` curl "https://allratestoday.com/api/v1/bank-rates/hr/pbz?ccy=USD" \ -H "Authorization: Bearer art_live_your_key" ``` ``` { "bank": "pbz", "name": "Privredna banka Zagreb (PBZ)", "country": "hr", "quote_ccy": "EUR", "bank_updated_at": "2026-11-14T00:00:00.000+00:00", "basis": "Non-cash (devize) buy / sell", "captured_at": "2026-11-15T11:37:26.620Z", "ccy": "USD", "buy": 0.87484931, "sell": 0.93830988, "mid": 0.90657959, "spread_pct": 7, "official": 0.9048136083966704, "vs_official_pct": 0.195, "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 Privredna banka Zagreb (PBZ) on its own website, collected by AllRatesToday", "bank_url": "https://www.pbz.hr/gradjani/tecajna-lista-pbz.html", "url": "https://allratestoday.com/bank-exchange-rate-api/hr/pbz/", "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/hr/pbz?date=2026-11-14" \ -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/hr/pbz/history?ccy=USD&from=2026-11-14&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' }); // Privredna banka Zagreb (PBZ)'s USD row const r = await client.bankRates('hr', { bank: 'pbz', ccy: 'USD' }); console.log(`PBZ buys USD at ${r.buy}, sells at ${r.sell} EUR`); // The board as it stood on a past day const past = await client.bankRates('hr', { bank: 'pbz', date: '2026-11-14' }); console.log(past.snapshot_date, past.rates.length); ``` ## Python ``` import requests r = requests.get( "https://allratestoday.com/api/v1/bank-rates/hr/pbz", 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 Croatia name; nobody transacts at it. PBZ'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 Privredna banka Zagreb (PBZ) rates come from? From the bank's own public rates page (https://www.pbz.hr/gradjani/tecajna-lista-pbz.html), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price PBZ shows, with the mid, the spread and the European Central Bank rate added. ### Are these the official EUR exchange rates? No. They are PBZ's retail prices for customers. The official rate in Croatia 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 PBZ 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 PBZ rates for a past date? Yes, from 14 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. ## Privredna banka Zagreb (PBZ) rates, as JSON Free API key, hourly board captures, the official rate alongside. [Get your free API key](https://allratestoday.com/register/) ## Related - [Privredna banka Zagreb (PBZ) live board rates](https://allratestoday.com/bank-exchange-rate-api/hr/pbz/) - [All banks in Croatia side by side](https://allratestoday.com/bank-exchange-rate-api/hr/) - [European Central Bank official rates API](https://allratestoday.com/central-bank-rates-api/ecb/) - [Zagrebačka banka exchange rate API guide](https://allratestoday.com/blog/zagrebacka-banka-exchange-rate-api/) - [Erste Bank Croatia exchange rate API guide](https://allratestoday.com/blog/erste-bank-croatia-exchange-rate-api/) - [Addiko Bank (Croatia) exchange rate API guide](https://allratestoday.com/blog/addiko-bank-croatia-exchange-rate-api/) - [Hrvatska poštanska banka (HPB) exchange rate API guide](https://allratestoday.com/blog/hrvatska-postanska-banka-hpb-exchange-rate-api/) - [Raiffeisenbank Austria (Croatia) exchange rate API guide](https://allratestoday.com/blog/raiffeisenbank-austria-croatia-exchange-rate-api/) - [OTP banka (Croatia) exchange rate API guide](https://allratestoday.com/blog/otp-banka-croatia-exchange-rate-api/) - [Agram banka exchange rate API guide](https://allratestoday.com/blog/agram-banka-exchange-rate-api/) - [Istarska kreditna banka Umag exchange rate API guide](https://allratestoday.com/blog/istarska-kreditna-banka-umag-exchange-rate-api/) - [Podravska banka exchange rate API guide](https://allratestoday.com/blog/podravska-banka-exchange-rate-api/) - [KentBank exchange rate API guide](https://allratestoday.com/blog/kentbank-exchange-rate-api/) - [Croatia banka exchange rate API guide](https://allratestoday.com/blog/croatia-banka-exchange-rate-api/) - [Imex banka exchange rate API guide](https://allratestoday.com/blog/imex-banka-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/)