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Banking API vs ExchangeRate-API (open)

Same instrument, two spec sheets — measured, not claimed.

APIBanking APIHEALTHY98ExchangeRate-API (open)HEALTHY98
Uptime · 30d
Uptime · 90d100%100%
Uptime · 30d100%100%
P50 · ms203221
P95 · ms14351091
AuthapiKeynone
CORSnoyes
HTTPSyesyes
Card requirednono
Commercial useunclearunclear
Data licenseUnverifiedUnverified
Free tierFree tier — API key requiredFree — limits not published
Rate limitUnpublishedUnpublished
In directory since2026-07-052026-07-05
operationalpartialdownno data

Banking API vs ExchangeRate-API (open): common questions

Which is more reliable, Banking API or ExchangeRate-API (open)?

Both are neck-and-neck — Banking API and ExchangeRate-API (open) each measure 100% uptime over 90 days on our probe schedule. Reliability here is verified from our own scheduled checks; use the 30-day bars above to see which has been steadier lately.

Which is faster, Banking API or ExchangeRate-API (open)?

Banking API has the lower median latency in our checks — Banking API responds in 203 ms versus ExchangeRate-API (open) at 221 ms (P50). Tail latency (P95) is in the table above; for most workloads the median is the number that shapes how the API feels.

Do Banking API and ExchangeRate-API (open) need an API key?

ExchangeRate-API (open) needs no key, while Banking API requires a free API key. If you want to start calling without signup, reach for ExchangeRate-API (open) first.

Can I call Banking API and ExchangeRate-API (open) from the browser?

Only ExchangeRate-API (open) is browser-friendly — it returns CORS headers over HTTPS. Banking API needs a server-side call or proxy, so factor that into which one fits a front-end project.

Are Banking API and ExchangeRate-API (open) free for commercial use?

Banking API has unclear commercial terms, and ExchangeRate-API (open) has unclear commercial terms. We track service terms and the data license as separate fields — see the Commercial use and Data license rows above, and confirm both before shipping either in a paid product.