Stopanska banka Exchange Rate API: MKD Buy and Sell Rates as JSON

Stopanska banka is one of North Macedonia’s largest banks, based in Skopje. Its daily rate list gives cash and foreign-exchange buying and selling rates in denars for 10 currencies. This guide shows how to read that board as JSON: what the rates mean, how they compare with the National Bank of the Republic of North Macedonia official rate and with other banks in North Macedonia, and the calls that return them.

What the Stopanska board shows

• 10 currencies against the Macedonian denar: AUD, CAD, CHF, DKK, EUR, GBP, JPY, NOK, SEK and USD. Every value is MKD per 1 unit of the foreign currency.
• The foreign-exchange (non-cash, devizi) buy / sell pair. The denar is held in a tight managed peg to the euro (about 61.5 MKD per EUR), so bank EUR rates sit within a few tenths of a percent of the NBRM middle rate; banks publish a daily list with separate exchange-office (cash) and foreign-exchange (non-cash) columns, and spreads on USD, GBP and CHF run 2-4%. The National Bank of the Republic of North Macedonia official rate is shown next to each row.
• USD on 15 November 2026: Stopanska bought at 54.8703 and sold at 56.4841 MKD, a spread of 2.90%. The National Bank of the Republic of North Macedonia official rate was 55.7784, so the bank's mid sat -0.18% from it.
• The bank's own timestamp. The page prints a last-updated stamp (2026-11-14T00:00:00+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 EUR (0.81%), AUD (2.90%), USD (2.90%) and the widest JPY (2.90%), SEK (2.90%), NOK (2.90%). 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 Stopanska and other banks in North Macedonia

USD on the 7 boards AllRatesToday reads in North Macedonia, all captured on 15 November 2026 (the National Bank of the Republic of North Macedonia official rate was 55.7784):

Stopanska had the 2nd narrowest USD spread of the 7. One call to /api/v1/bank-rates/mk 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/mk/stopanska" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "stopanska",
  "name": "Stopanska banka",
  "country": "mk",
  "quote_ccy": "MKD",
  "bank_updated_at": "2026-11-14T00:00:00+00:00",
  "basis": "Foreign-exchange (non-cash, devizi) buy / sell",
  "captured_at": "2026-11-15T11:52:37.889Z",
  "rates": [
    {"ccy":"AUD","buy":37.2315,"sell":38.3265,"mid":37.779,"spread_pct":2.898,"official":38.0451,"vs_official_pct":-0.699},
    {"ccy":"CAD","buy":38.4837,"sell":39.6156,"mid":39.04965,"spread_pct":2.899,"official":39.1463,"vs_official_pct":-0.247},
    {"ccy":"CHF","buy":65.4464,"sell":67.3713,"mid":66.40885,"spread_pct":2.899,"official":66.9498,"vs_official_pct":-0.808},
    … 7 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "stopanska",
  "name": "Stopanska banka",
  "country": "mk",
  "quote_ccy": "MKD",
  "bank_updated_at": "2026-11-14T00:00:00+00:00",
  "basis": "Foreign-exchange (non-cash, devizi) buy / sell",
  "captured_at": "2026-11-15T11:52:37.889Z",
  "ccy": "USD",
  "buy": 54.8703,
  "sell": 56.4841,
  "mid": 55.6772,
  "spread_pct": 2.898,
  "official": 55.7784,
  "vs_official_pct": -0.181,
  "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 Stopanska banka on its own website, collected by AllRatesToday",
    "bank_url": "https://www.stb.com.mk/finansiski-pazari/kursna-lista/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/mk/stopanska/",
    "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/mk/stopanska?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/mk/stopanska/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' });

// Stopanska banka's USD row
const r = await client.bankRates('mk', { bank: 'stopanska', ccy: 'USD' });
console.log(`Stopanska buys USD at ${r.buy}, sells at ${r.sell} MKD`);

// The board as it stood on a past day
const past = await client.bankRates('mk', { bank: 'stopanska', 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/mk/stopanska",
    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 National Bank of the Republic of North Macedonia rate is the one tax, accounting and customs rules in North Macedonia name; nobody transacts at it. Stopanska'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 National Bank of the Republic of North Macedonia endpoint when a rule asks for the official rate.

FAQ

Where do the Stopanska banka rates come from?

From the bank's own public rates page (https://www.stb.com.mk/finansiski-pazari/kursna-lista/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Stopanska shows, with the mid, the spread and the National Bank of the Republic of North Macedonia rate added.

Are these the official MKD exchange rates?

No. They are Stopanska's retail prices for customers. The official rate in North Macedonia is the National Bank of the Republic of North Macedonia 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 Stopanska 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 Stopanska 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.