TD Canada Trust Exchange Rate API: CAD Buy and Sell Rates as JSON

TD Canada Trust is the Canadian retail arm of Toronto-Dominion Bank, one of the country's two largest banks. Its currency converter shows the Canadian-dollar buying and selling rates for non-cash transactions in about 25 currencies, tiered by amount; the smallest tier is shown here. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bank of Canada official rate and with other banks in Canada, and the calls that return them.

What the TD board shows

• 23 currencies against the Canadian dollar: AED, AUD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, JPY, MXN, NOK, NZD, PLN, SAR, SEK, SGD, THB, TRY, USD and ZAR. Every value is CAD per 1 unit of the foreign currency.
• The non-cash (transfers, drafts) smallest-tier buy / sell pair. Canadian banks post buy and sell prices in Canadian dollars per unit of foreign currency, usually separate for cash and for non-cash transfers and drafts, and tiered by amount. The Bank of Canada publishes one daily average rate per currency, which sits between the banks' buying and selling prices. The Bank of Canada official rate is shown next to each row.
• USD on 15 November 2026: TD bought at 1.3851 and sold at 1.4647 CAD, a spread of 5.59%. The Bank of Canada official rate was 1.4257, so the bank's mid sat -0.06% from it.
• The bank's own timestamp. The page prints a last-updated stamp (Sun Nov 15 2026 6:45 AM Eastern Standard Time 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 CHF (4.61%), SGD (5.24%), GBP (5.46%) and the widest HUF (11.67%), PLN (10.81%), NZD (8.99%). 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 TD and other banks in Canada

USD on the 49 boards AllRatesToday reads in Canada, all captured on 15 November 2026 (the Bank of Canada official rate was 1.4257):

TD had the 42nd narrowest USD spread of the 49. One call to /api/v1/bank-rates/ca 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/ca/td" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "td",
  "name": "TD Canada Trust",
  "country": "ca",
  "quote_ccy": "CAD",
  "bank_updated_at": "Sun Nov 15 2026 6:45 AM Eastern Standard Time",
  "basis": "Non-cash (transfers, drafts) smallest-tier buy / sell",
  "captured_at": "2026-11-15T11:45:50.223Z",
  "rates": [
    {"ccy":"AED","buy":0.375,"sell":0.4016,"mid":0.3883,"spread_pct":6.85,"official":null,"vs_official_pct":null},
    {"ccy":"AUD","buy":0.9357,"sell":0.9966,"mid":0.96615,"spread_pct":6.303,"official":0.9668,"vs_official_pct":-0.067},
    {"ccy":"CHF","buy":1.6605,"sell":1.7389,"mid":1.6997,"spread_pct":4.613,"official":1.7,"vs_official_pct":-0.018},
    … 20 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "td",
  "name": "TD Canada Trust",
  "country": "ca",
  "quote_ccy": "CAD",
  "bank_updated_at": "Sun Nov 15 2026 6:45 AM Eastern Standard Time",
  "basis": "Non-cash (transfers, drafts) smallest-tier buy / sell",
  "captured_at": "2026-11-15T11:45:50.223Z",
  "ccy": "USD",
  "buy": 1.3851,
  "sell": 1.4647,
  "mid": 1.4249,
  "spread_pct": 5.586,
  "official": 1.4257,
  "vs_official_pct": -0.056,
  "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 TD Canada Trust on its own website, collected by AllRatesToday",
    "bank_url": "https://www.td.com/ca/en/personal-banking/solutions/exchange/currency-converter",
    "url": "https://allratestoday.com/bank-exchange-rate-api/ca/td/",
    "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/ca/td?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/ca/td/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' });

// TD Canada Trust's USD row
const r = await client.bankRates('ca', { bank: 'td', ccy: 'USD' });
console.log(`TD buys USD at ${r.buy}, sells at ${r.sell} CAD`);

// The board as it stood on a past day
const past = await client.bankRates('ca', { bank: 'td', 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/ca/td",
    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 of Canada rate is the one tax, accounting and customs rules in Canada name; nobody transacts at it. TD'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 of Canada endpoint when a rule asks for the official rate.

FAQ

Where do the TD Canada Trust rates come from?

From the bank's own public rates page (https://www.td.com/ca/en/personal-banking/solutions/exchange/currency-converter), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price TD shows, with the mid, the spread and the Bank of Canada rate added.

Are these the official CAD exchange rates?

No. They are TD's retail prices for customers. The official rate in Canada is the Bank of Canada 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 TD 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 TD 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.