Sparkasse Hegau-Bodensee Exchange Rate API: EUR Buy and Sell Rates as JSON

Sparkasse Hegau-Bodensee is the public savings bank for Singen and the Hegau at Lake Constance, Baden-Württemberg. Its Devisenkurse page lists about 23 currencies per 1 EUR with Geld and Brief (non-cash) rates. 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 Germany, and the calls that return them.

What the Spk Hegau-Bodensee board shows

• 23 currencies against the euro: AED, AUD, BRL, CAD, CHF, CNY, CZK, DKK, GBP, HKD, HUF, INR, JPY, MAD, NOK, NZD, PLN, SEK, SGD, THB, TRY, USD and ZAR. Every value is EUR per 1 unit of the foreign currency.
• The devisenkurse (non-cash) geld / brief pair. German banks quote how much foreign currency 1 euro buys, as a Geld (bid) and Brief (ask) pair fixed once or twice a day. The rates here are turned round to euros per 1 unit; the European Central Bank publishes one euro reference rate per business day. The European Central Bank official rate is shown next to each row.
• USD on 15 November 2026: Spk Hegau-Bodensee bought at 0.9008 and sold at 0.909 EUR, a spread of 0.91%. The European Central Bank official rate was 0.9048, so the bank's mid sat +0.01% from it.
• The bank's own timestamp. The page prints a last-updated stamp (13.11.2026 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 tightest spreads were TRY (0.25%), JPY (0.61%), SEK (0.79%) and the widest BRL (4.91%), THB (3.74%), MAD (2.20%). 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 Spk Hegau-Bodensee and other banks in Germany

USD on the 48 boards AllRatesToday reads in Germany, all captured on 15 November 2026 (the European Central Bank official rate was 0.9048):

Spk Hegau-Bodensee had the 29th narrowest USD spread of the 48. One call to /api/v1/bank-rates/de 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/de/spkhegau" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "spkhegau",
  "name": "Sparkasse Hegau-Bodensee",
  "country": "de",
  "quote_ccy": "EUR",
  "bank_updated_at": "13.11.2026",
  "basis": "Devisenkurse (non-cash) Geld / Brief",
  "captured_at": "2026-11-15T11:23:26.530Z",
  "rates": [
    {"ccy":"AED","buy":0.2439798,"sell":0.24883669,"mid":0.24640824,"spread_pct":1.971,"official":null,"vs_official_pct":null},
    {"ccy":"AUD","buy":0.61098552,"sell":0.61854395,"mid":0.61476473,"spread_pct":1.229,"official":0.6139489194499017,"vs_official_pct":0.133},
    {"ccy":"BRL","buy":0.15963985,"sell":0.16766989,"mid":0.16365487,"spread_pct":4.907,"official":0.1597571691029635,"vs_official_pct":2.44},
    … 20 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "spkhegau",
  "name": "Sparkasse Hegau-Bodensee",
  "country": "de",
  "quote_ccy": "EUR",
  "bank_updated_at": "13.11.2026",
  "basis": "Devisenkurse (non-cash) Geld / Brief",
  "captured_at": "2026-11-15T11:23:26.530Z",
  "ccy": "USD",
  "buy": 0.90081975,
  "sell": 0.90900827,
  "mid": 0.90491401,
  "spread_pct": 0.905,
  "official": 0.9048136083966704,
  "vs_official_pct": 0.011,
  "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 Sparkasse Hegau-Bodensee on its own website, collected by AllRatesToday",
    "bank_url": "https://www.sparkasse-hegau-bodensee.de/de/home/privatkunden/grenzgaenger/kursblatt.html",
    "url": "https://allratestoday.com/bank-exchange-rate-api/de/spkhegau/",
    "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/de/spkhegau?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/de/spkhegau/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' });

// Sparkasse Hegau-Bodensee's USD row
const r = await client.bankRates('de', { bank: 'spkhegau', ccy: 'USD' });
console.log(`Spk Hegau-Bodensee buys USD at ${r.buy}, sells at ${r.sell} EUR`);

// The board as it stood on a past day
const past = await client.bankRates('de', { bank: 'spkhegau', 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/de/spkhegau",
    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 Germany name; nobody transacts at it. Spk Hegau-Bodensee'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 when a rule asks for the official rate.

FAQ

Where do the Sparkasse Hegau-Bodensee rates come from?

From the bank's own public rates page (https://www.sparkasse-hegau-bodensee.de/de/home/privatkunden/grenzgaenger/kursblatt.html), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Spk Hegau-Bodensee shows, with the mid, the spread and the European Central Bank rate added.

Are these the official EUR exchange rates?

No. They are Spk Hegau-Bodensee's retail prices for customers. The official rate in Germany 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 Spk Hegau-Bodensee 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 Spk Hegau-Bodensee 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.