United Bank Limited Exchange Rate API: PKR Buy and Sell Rates as JSON

United Bank Limited is one of Pakistan’s largest commercial banks, headquartered in Karachi. Its treasury issues a daily rate sheet in Excel with TT selling, TT clean buying and OD buying rates for about 20 currencies, plus currency-note and forward rates. This guide shows how to read that board as JSON: what the rates mean, how they compare with the State Bank of Pakistan official rate and with other banks in Pakistan, and the calls that return them.

What the UBL board shows

• 21 currencies against the Pakistani rupee: AED, AUD, BHD, CAD, CHF, CNY, DKK, EUR, GBP, HKD, JPY, KWD, MYR, NOK, NZD, OMR, QAR, SAR, SEK, SGD and USD. Every value is PKR per 1 unit of the foreign currency.
• The TT clean buy / TT & OD sell pair. The State Bank of Pakistan sets the official weighted-average interbank rate each business day, but customs valuation and company invoicing in Pakistan read National Bank of Pakistan’s daily rate sheet. Bank treasuries issue one rate sheet each morning; the pair shown is the ready telegraphic-transfer buying and selling rate, PKR per 1 unit, and currencies a sheet marks as not available to customers are left out.
• USD on 13 November 2026: UBL bought at 275.95 and sold at 276.45 PKR, a spread of 0.18%. The State Bank of Pakistan official rate was 276.6, so the bank's mid sat -0.15% from it.
• The bank's own timestamp. The page prints a last-updated stamp (2026-11-13 08:58 PKT (rate sheet no. 1) 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, the day collection started. Read one past day with ?date=, or a range for one currency with the /history endpoint (paid plans).

Spreads across the board

On the 13 November 2026 board the tightest spreads were JPY (0.18%), AED (0.18%), AUD (0.18%) and the widest NOK (0.43%), USD (0.18%), SGD (0.18%). 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 UBL and other banks in Pakistan

USD on the 2 boards AllRatesToday reads in Pakistan, all captured on 13 November 2026 (the State Bank of Pakistan official rate was 276.6):

UBL had the 2nd narrowest USD spread of the 2. One call to /api/v1/bank-rates/pk 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/pk/ubl" \
  -H "Authorization: Bearer art_live_your_key"

What comes back (the 13 November 2026 board, first three rows):

{
  "bank": "ubl",
  "name": "United Bank Limited",
  "country": "pk",
  "quote_ccy": "PKR",
  "bank_updated_at": "2026-11-13 08:58 PKT (rate sheet no. 1)",
  "basis": "TT clean buy / TT & OD sell",
  "captured_at": "2026-11-13T13:36:27.546Z",
  "rates": [
    {"ccy":"AED","buy":75.1294,"sell":75.2654,"mid":75.1974,"spread_pct":0.181,"official":75.3134,"vs_official_pct":-0.154},
    {"ccy":"AUD","buy":187.8944,"sell":188.2348,"mid":188.0646,"spread_pct":0.181,"official":187.966,"vs_official_pct":0.052},
    {"ccy":"BHD","buy":731.4778,"sell":732.8031,"mid":732.14045,"spread_pct":0.181,"official":733.4048,"vs_official_pct":-0.172},
    … 18 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "ubl",
  "name": "United Bank Limited",
  "country": "pk",
  "quote_ccy": "PKR",
  "bank_updated_at": "2026-11-13 08:58 PKT (rate sheet no. 1)",
  "basis": "TT clean buy / TT & OD sell",
  "captured_at": "2026-11-13T13:36:27.546Z",
  "ccy": "USD",
  "buy": 275.95,
  "sell": 276.45,
  "mid": 276.2,
  "spread_pct": 0.181,
  "official": 276.6036,
  "vs_official_pct": -0.146,
  "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 United Bank Limited on its own website, collected by AllRatesToday",
    "bank_url": "https://www.ubldigital.com/Banking/Treasury-and-Capital-Market/TreasuryDownloads",
    "url": "https://allratestoday.com/bank-exchange-rate-api/pk/ubl/",
    "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/pk/ubl?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/pk/ubl/history?ccy=USD&from=2026-11-13&to=2026-11-13" \
  -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' });

// United Bank Limited's USD row
const r = await client.bankRates('pk', { bank: 'ubl', ccy: 'USD' });
console.log(`UBL buys USD at ${r.buy}, sells at ${r.sell} PKR`);

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

FAQ

Where do the United Bank Limited rates come from?

From the bank's own public rates page (https://www.ubldigital.com/Banking/Treasury-and-Capital-Market/TreasuryDownloads), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price UBL shows, with the mid, the spread and the State Bank of Pakistan rate added.

Are these the official PKR exchange rates?

No. They are UBL's retail prices for customers. The official rate in Pakistan is the State Bank of Pakistan 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 UBL 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 UBL 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.