Zapad banka Exchange Rate API: EUR Buy and Sell Rates as JSON

Zapad banka is a small Montenegrin bank headquartered in Podgorica. Its exchange list gives the cash buy and sell rate in euros for the US dollar only. 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 Montenegro, and the calls that return them.

What the Zapad banka board shows

• 1 currency against the euro: USD. Every value is EUR per 1 unit of the foreign currency.
• The cash (efektiva) buy / sell pair. Montenegro uses the euro without being in the euro area, so banks quote foreign currencies per 1 euro and the ECB reference rate is the natural benchmark; lists usually cover a dozen currencies with wider spreads on cash notes. The European Central Bank official rate is shown next to each row.
• USD on 15 November 2026: Zapad banka bought at 0.8891 and sold at 0.9159 EUR, a spread of 2.97%. The European Central Bank official rate was 0.9048, so the bank's mid sat -0.26% from it.
• The bank's own timestamp. The page prints a last-updated stamp (2026-11-15 on the board above), returned as bank_updated_at next to our captured_at.
• Every day's board is kept permanently, from 15 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 15 November 2026 board the spread was USD 2.97%. 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 Zapad banka and other banks in Montenegro

USD on the 8 boards AllRatesToday reads in Montenegro, all captured on 15 November 2026 (the European Central Bank official rate was 0.9048):

Zapad banka had the 2nd narrowest USD spread of the 8. One call to /api/v1/bank-rates/me 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/me/zapadbanka" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "zapadbanka",
  "name": "Zapad banka",
  "country": "me",
  "quote_ccy": "EUR",
  "bank_updated_at": "2026-11-15",
  "basis": "Cash (efektiva) buy / sell",
  "captured_at": "2026-11-15T11:31:00.773Z",
  "rates": [
    {"ccy":"USD","buy":0.8891,"sell":0.9159,"mid":0.9025,"spread_pct":2.97,"official":0.9048136083966704,"vs_official_pct":-0.256}
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

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

{
  "bank": "zapadbanka",
  "name": "Zapad banka",
  "country": "me",
  "quote_ccy": "EUR",
  "bank_updated_at": "2026-11-15",
  "basis": "Cash (efektiva) buy / sell",
  "captured_at": "2026-11-15T11:31:00.773Z",
  "ccy": "USD",
  "buy": 0.8891,
  "sell": 0.9159,
  "mid": 0.9025,
  "spread_pct": 2.97,
  "official": 0.9048136083966704,
  "vs_official_pct": -0.256,
  "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 Zapad banka on its own website, collected by AllRatesToday",
    "bank_url": "https://www.zapadbanka.me/me/kursna-lista",
    "url": "https://allratestoday.com/bank-exchange-rate-api/me/zapadbanka/",
    "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/me/zapadbanka?date=2026-11-15" \
  -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/me/zapadbanka/history?ccy=USD&from=2026-11-15&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' });

// Zapad banka's USD row
const r = await client.bankRates('me', { bank: 'zapadbanka', ccy: 'USD' });
console.log(`Zapad banka buys USD at ${r.buy}, sells at ${r.sell} EUR`);

// The board as it stood on a past day
const past = await client.bankRates('me', { bank: 'zapadbanka', date: '2026-11-15' });
console.log(past.snapshot_date, past.rates.length);

Python

import requests

r = requests.get(
    "https://allratestoday.com/api/v1/bank-rates/me/zapadbanka",
    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 Montenegro name; nobody transacts at it. Zapad banka'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 Zapad banka rates come from?

From the bank's own public rates page (https://www.zapadbanka.me/me/kursna-lista), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Zapad banka shows, with the mid, the spread and the European Central Bank rate added.

Are these the official EUR exchange rates?

No. They are Zapad banka's retail prices for customers. The official rate in Montenegro 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 Zapad banka 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 Zapad banka rates for a past date?

Yes, from 15 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.