--- title: "SMBC Indonesia Exchange Rate API: IDR Buy and Sell Rates as JSON" description: "SMBC Indonesia's counter board (type not stated) rates for 13 currencies against the Indonesian rupiah, read hourly from the bank's own page and served as JSON with the Bank Indonesia official rate alongside. REST, JavaScript and Python examples." canonical: https://allratestoday.com/blog/smbc-indonesia-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: 2026-11-15T19:12:07.074Z --- PT Bank SMBC Indonesia, formerly Bank BTPN, is the Indonesian subsidiary of Sumitomo Mitsui Banking Corporation. Its kurs page lists one set of buying and selling rates for 13 currencies against the rupiah. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bank Indonesia official rate and with other banks in Indonesia, and the calls that return them. ## What the SMBC Indonesia board shows - **13 currencies against the Indonesian rupiah**: AUD, CHF, CNY, EUR, GBP, HKD, INR, JPY, SAR, SGD, THB, TRY and USD. Every value is IDR per 1 unit of the foreign currency. - **The counter board (type not stated) pair.** Indonesian banks quote three boards at once: an e-Rate for online transactions, a TT counter rate for branch telegraphic transfers, and bank notes for cash. The pair here is the TT counter rate. Bank Indonesia’s JISDOR is a reference calculated from interbank transactions rather than a counter price, so it sits inside every bank’s spread. - **USD on 15 November 2026**: SMBC Indonesia bought at 17820 and sold at 18420 IDR, a spread of 3.31%. The Bank Indonesia official rate was 18332.21, so the bank's mid sat -1.16% from it. - **The bank's own timestamp.** The page prints a last-updated stamp (`13 November 2026 08:46 WIB` 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 USD (3.31%), JPY (4.63%), SAR (4.99%) and the widest THB (5.94%), INR (5.18%), HKD (5.02%). 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 SMBC Indonesia and other banks in Indonesia USD on the 27 boards AllRatesToday reads in Indonesia, all captured on 15 November 2026 (the Bank Indonesia official rate was 18332.21): | Bank | Buy | Sell | Spread | Mid vs official | | --- | --- | --- | --- | --- | | Bank Central Asia | 18010 | 18290 | 1.54% | -0.99% | | Maybank Indonesia | 18110 | 18310 | 1.10% | -0.67% | | OCBC Indonesia | 17980 | 18375 | 2.17% | -0.84% | | CIMB Niaga | 18189 | 18204 | 0.08% | -0.74% | | Bank Danamon | 18091 | 18291 | 1.10% | -0.77% | | Bank Mega | 18128 | 18328 | 1.10% | -0.57% | | PermataBank | 18090 | 18300 | 1.15% | -0.75% | | Panin Bank | 18150 | 18250 | 0.55% | -0.72% | | BNP Paribas Indonesia | 18123 | 18375 | 1.38% | -0.45% | | Bank Artha Graha Internasional | 18040 | 18400 | 1.98% | -0.61% | | Bank INA Perdana | 18150 | 18300 | 0.82% | -0.58% | | Bank Ganesha | 18145 | 18325 | 0.99% | -0.53% | | Bank Mayapada | 18089 | 18278 | 1.04% | -0.81% | | UOB Indonesia | 17907 | 18427 | 2.86% | -0.90% | | HSBC Indonesia | 18085 | 18385 | 1.65% | -0.53% | | Bank Sinarmas | 18180 | 18250 | 0.38% | -0.64% | | ICBC Indonesia | 18075 | 18315 | 1.32% | -0.75% | | Bank of China (Jakarta Branch) | 18040 | 18440 | 2.19% | -0.50% | | Bank Victoria International | 18165 | 18280 | 0.63% | -0.60% | | J Trust Bank | 18170 | 18300 | 0.71% | -0.53% | | Nobu Bank | 18152 | 18242 | 0.49% | -0.74% | | Bank Sahabat Sampoerna | 18080 | 18320 | 1.32% | -0.72% | | Bank SulutGo | 18128 | 18328 | 1.10% | -0.57% | | Bank Bumi Arta | 18147 | 18203 | 0.31% | -0.86% | | **SMBC Indonesia** | 17820 | 18420 | 3.31% | -1.16% | | Bank Multiarta Sentosa | 18160 | 18340 | 0.99% | -0.45% | | DBS Indonesia | 18056 | 18426 | 2.03% | -0.50% | SMBC Indonesia had the 27th narrowest USD spread of the 27. One call to `/api/v1/bank-rates/id` 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/id/smbci" \ -H "Authorization: Bearer art_live_your_key" ``` What comes back (the 15 November 2026 board, first three rows): ``` { "bank": "smbci", "name": "SMBC Indonesia", "country": "id", "quote_ccy": "IDR", "bank_updated_at": "13 November 2026 08:46 WIB", "basis": "Counter board (type not stated)", "captured_at": "2026-11-15T11:22:59.163Z", "rates": [ {"ccy":"AUD","buy":12026,"sell":12643,"mid":12334.5,"spread_pct":5.002,"official":12511.73,"vs_official_pct":-1.417}, {"ccy":"CHF","buy":21150,"sell":22235,"mid":21692.5,"spread_pct":5.002,"official":22033.91,"vs_official_pct":-1.549}, {"ccy":"CNY","buy":2651,"sell":2787,"mid":2719,"spread_pct":5.002,"official":2749.08,"vs_official_pct":-1.094}, … 10 more currencies ], "disclaimer": "…", "attribution": { … } } ``` One currency, with the row fields at the top level: ``` curl "https://allratestoday.com/api/v1/bank-rates/id/smbci?ccy=USD" \ -H "Authorization: Bearer art_live_your_key" ``` ``` { "bank": "smbci", "name": "SMBC Indonesia", "country": "id", "quote_ccy": "IDR", "bank_updated_at": "13 November 2026 08:46 WIB", "basis": "Counter board (type not stated)", "captured_at": "2026-11-15T11:22:59.163Z", "ccy": "USD", "buy": 17820, "sell": 18420, "mid": 18120, "spread_pct": 3.311, "official": 18332.21, "vs_official_pct": -1.158, "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 SMBC Indonesia on its own website, collected by AllRatesToday", "bank_url": "https://www.smbci.com/id/prime-lending-rate/kurs", "url": "https://allratestoday.com/bank-exchange-rate-api/id/smbci/", "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/id/smbci?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/id/smbci/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' }); // SMBC Indonesia's USD row const r = await client.bankRates('id', { bank: 'smbci', ccy: 'USD' }); console.log(`SMBC Indonesia buys USD at ${r.buy}, sells at ${r.sell} IDR`); // The board as it stood on a past day const past = await client.bankRates('id', { bank: 'smbci', 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/id/smbci", 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 Indonesia rate is the one tax, accounting and customs rules in Indonesia name; nobody transacts at it. SMBC Indonesia'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 Indonesia endpoint](https://allratestoday.com/central-bank-rates-api/bi/) when a rule asks for the official rate. ## FAQ ### Where do the SMBC Indonesia rates come from? From the bank's own public rates page (https://www.smbci.com/id/prime-lending-rate/kurs), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price SMBC Indonesia shows, with the mid, the spread and the Bank Indonesia rate added. ### Are these the official IDR exchange rates? No. They are SMBC Indonesia's retail prices for customers. The official rate in Indonesia is the Bank Indonesia 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 SMBC Indonesia 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 SMBC Indonesia 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. ## SMBC Indonesia rates, as JSON Free API key, hourly board captures, the official rate alongside. [Get your free API key](https://allratestoday.com/register/) ## Related - [SMBC Indonesia live board rates](https://allratestoday.com/bank-exchange-rate-api/id/smbci/) - [All banks in Indonesia side by side](https://allratestoday.com/bank-exchange-rate-api/id/) - [Bank Indonesia official rates API](https://allratestoday.com/central-bank-rates-api/bi/) - [Bank Central Asia exchange rate API guide](https://allratestoday.com/blog/bank-central-asia-exchange-rate-api/) - [Maybank Indonesia exchange rate API guide](https://allratestoday.com/blog/maybank-indonesia-exchange-rate-api/) - [OCBC Indonesia exchange rate API guide](https://allratestoday.com/blog/ocbc-indonesia-exchange-rate-api/) - [CIMB Niaga exchange rate API guide](https://allratestoday.com/blog/cimb-niaga-exchange-rate-api/) - [Bank Danamon exchange rate API guide](https://allratestoday.com/blog/bank-danamon-exchange-rate-api/) - [Bank Mega exchange rate API guide](https://allratestoday.com/blog/bank-mega-exchange-rate-api/) - [PermataBank exchange rate API guide](https://allratestoday.com/blog/permatabank-exchange-rate-api/) - [Panin Bank exchange rate API guide](https://allratestoday.com/blog/panin-bank-exchange-rate-api/) - [BNP Paribas Indonesia exchange rate API guide](https://allratestoday.com/blog/bnp-paribas-indonesia-exchange-rate-api/) - [Bank Artha Graha Internasional exchange rate API guide](https://allratestoday.com/blog/bank-artha-graha-internasional-exchange-rate-api/) - [Bank INA Perdana exchange rate API guide](https://allratestoday.com/blog/bank-ina-perdana-exchange-rate-api/) - [Bank Ganesha exchange rate API guide](https://allratestoday.com/blog/bank-ganesha-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/)