XE API Alternative: AllRatesToday for Developers

XE.com is enterprise-priced and quote-only. AllRatesToday gives you the same mid-market rates with self-serve pricing, instant signup, and a free tier — built for developers, not procurement.

XE.com is one of the most recognisable currency brands in the world, and their Currency Data API is reliable and well-built. The challenge for most engineering teams is the buying experience: XE is sales-led, sold through annual contracts, and aimed at large fintech and enterprise buyers. If you just want to plug a real-time rates endpoint into your app today, AllRatesToday is a developer-first alternative.

At a glance

Comparison based on each provider's public website at time of writing. XE pricing is not published — "annual contracts" reflects their published sales process, not a specific dollar figure.

Why teams choose AllRatesToday over XE

1. You can ship today

XE's process — request a quote, get on a sales call, sign an annual contract — is appropriate for enterprises but blocks small teams entirely. AllRatesToday lets you sign up, copy a key, and call the API in under a minute.

2. Pricing fits real call volumes

For most SaaS and ecommerce use cases, you need a few thousand calls per month — not the seven- figure annual volumes XE prices for. Our €4.99 and €9.99 plans are sized for that reality.

3. Same data class

Both XE and AllRatesToday return mid-market rates — the rates banks reference internally. We source from institutional interbank market data; XE blends multiple sources internally. For display, conversion, and reporting, the difference is in basis points, not cents.

Official central bank rates — the part no market feed offers

Beyond live market rates, AllRatesToday serves the official published rates of 35 central banks and two tax authorities (HMRC, US Treasury) under the same API key — the ECB reference rate for EU accounting, the Banxico FIX that legally settles USD obligations in Mexico, HMRC's monthly customs rates, and more, each under the bank's own publication date. If your workload ever touches invoicing, accounting, customs, or audit, this is the difference that matters: a market feed answers "what does the pair trade at?", while compliance asks "which rate were you required to use?" (Our central bank API comparison covers the landscape.)

Drop-in code example

// AllRatesToday — get a single rate (public endpoint, no auth)
const r = await fetch(
  'https://allratestoday.com/api/rate?source=USD&target=EUR'
);
const { rate } = await r.json();  // => 0.924
const converted = 100 * rate;      // => 92.40

Honest pros and cons

FAQ

Is the data accurate enough for production?

Yes. AllRatesToday returns mid-market rates from institutional providers, the same data class XE serves.

Can I switch later if I outgrow you?

Yes — the response format is standard JSON, so a future migration to any other provider is straightforward.

Do you offer enterprise plans?

If you need more than 100,000 requests/mo or a custom SLA, contact us.

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