Zions Bank Exchange Rate API: USD Buy and Sell Rates as JSON

Zions Bank is the Utah-based flagship of Zions Bancorporation, which also operates Amegy Bank, National Bank of Arizona, Vectra Bank, California Bank & Trust and Nevada State Bank. Its foreign currency rates page lists the prices at which it buys and sells foreign bank notes, in US dollars per unit, for about 70 currencies. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Federal Reserve official rate and with other banks in the United States, and the calls that return them.

What the Zions board shows

• 69 currencies against the US dollar: AED, ARS, AUD, BBD, BDT, BHD, BND, BRL, BSD, BZD, CAD, CHF, CLP, CNY, COP, CRC, CZK, DKK, DOP, EGP, EUR, FJD, GBP, GTQ, HKD, HNL, HUF, IDR, INR, ISK, JMD, JOD, JPY, KES, KHR, KRW, KWD, KYD, LKR, MAD, MXN, MYR, NOK, NPR, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, SAR, SCR, SEK, SGD, THB, TND, TRY, TWD, TZS, UYU, VND, XCD, XOF, XPF and ZAR. Every value is USD per 1 unit of the foreign currency.
• The foreign cash (bank notes) buy / sell pair. US banks do not post a transfer board: the rate on a wire is quoted per transaction. What they publish is the price of foreign bank notes, with spreads of around 10% between buying and selling. Tax and accounting use the official Federal Reserve, Treasury and IRS rates instead; the Federal Reserve’s official H.10 rate is shown next to each row.
• EUR on 15 November 2026: Zions bought at 1.0223 and sold at 1.188 USD, a spread of 15.00%. The Federal Reserve official rate was 1.1154, so the bank's mid sat -0.92% from it.
• No timestamp on the bank's page. Zions does not print a last-updated time, so bank_updated_at is null and captured_at (when AllRatesToday read the page) is the only time available.
• 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 EUR (15.00%), CAD (15.00%), GBP (15.01%) and the widest ARS (72.58%), INR (56.88%), VND (52.32%). 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.

EUR at Zions and other banks in the United States

EUR on the 3 boards AllRatesToday reads in the United States, all captured on 15 November 2026 (the Federal Reserve official rate was 1.1154):

Zions had the 3rd narrowest EUR spread of the 3. One call to /api/v1/bank-rates/us 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/us/zions" \
  -H "Authorization: Bearer art_live_your_key"

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

{
  "bank": "zions",
  "name": "Zions Bank",
  "country": "us",
  "quote_ccy": "USD",
  "bank_updated_at": null,
  "basis": "Foreign cash (bank notes) buy / sell",
  "captured_at": "2026-11-15T11:22:27.104Z",
  "rates": [
    {"ccy":"AED","buy":0.2414,"sell":0.302,"mid":0.2717,"spread_pct":22.304,"official":null,"vs_official_pct":null},
    {"ccy":"ARS","buy":0.0004461,"sell":0.0009543,"mid":0.0007002,"spread_pct":72.579,"official":null,"vs_official_pct":null},
    {"ccy":"AUD","buy":0.6189,"sell":0.7412,"mid":0.68005,"spread_pct":17.984,"official":0.6875,"vs_official_pct":-1.084},
    … 66 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

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

curl "https://allratestoday.com/api/v1/bank-rates/us/zions?ccy=EUR" \
  -H "Authorization: Bearer art_live_your_key"

{
  "bank": "zions",
  "name": "Zions Bank",
  "country": "us",
  "quote_ccy": "USD",
  "bank_updated_at": null,
  "basis": "Foreign cash (bank notes) buy / sell",
  "captured_at": "2026-11-15T11:22:27.104Z",
  "ccy": "EUR",
  "buy": 1.02226,
  "sell": 1.188,
  "mid": 1.10513,
  "spread_pct": 14.997,
  "official": 1.1154,
  "vs_official_pct": -0.921,
  "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 Zions Bank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.zionsbank.com/personal/banking-services/foreign-currency-rates",
    "url": "https://allratestoday.com/bank-exchange-rate-api/us/zions/",
    "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/us/zions?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/us/zions/history?ccy=EUR&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' });

// Zions Bank's EUR row
const r = await client.bankRates('us', { bank: 'zions', ccy: 'EUR' });
console.log(`Zions buys EUR at ${r.buy}, sells at ${r.sell} USD`);

// The board as it stood on a past day
const past = await client.bankRates('us', { bank: 'zions', 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/us/zions",
    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 Federal Reserve rate is the one tax, accounting and customs rules in the United States name; nobody transacts at it. Zions'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 Federal Reserve endpoint when a rule asks for the official rate.

FAQ

Where do the Zions Bank rates come from?

From the bank's own public rates page (https://www.zionsbank.com/personal/banking-services/foreign-currency-rates), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Zions shows, with the mid, the spread and the Federal Reserve rate added.

Are these the official USD exchange rates?

No. They are Zions's retail prices for customers. The official rate in the United States is the Federal Reserve 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 Zions board updated?

AllRatesToday reads the page every hour. The bank prints no timestamp, so captured_at tells you when the rates were read.

Can I get Zions 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=EUR&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.