Changing dollars in Guatemala means choosing between banks that each post their own buy and sell price around Banguat’s daily reference rate. This page lists every bank on the daily comparison table we collect, shows how far each one sits from the reference rate, and counts which banks have paid the most and charged the least over the last 90 daily files (the days with bank rates among them).
Buy and sell rates by bank
Pulled Sep 30, 2026 at 12:31 Guatemala time from tipodecambio.deguate.net + Banguat.
| Bank | Buy (Q/US$) | Sell (Q/US$) | Gap | Buy vs Banguat | Sell vs Banguat |
|---|---|---|---|---|---|
| Banco Inmobiliario | Q7.55 | Q7.75 | Q0.20 | −Q0.09 | +Q0.11 |
| Banco Agromercantil (BAM) | Q7.41 | Q7.79 | Q0.38 | −Q0.23 | +Q0.15 |
| Banco Promerica | Q7.46 | Q7.84 | Q0.38 | −Q0.18 | +Q0.20 |
| BAC Credomatic | Q7.44 | Q7.84 | Q0.40 | −Q0.20 | +Q0.20 |
| Banco Industrial | Q7.40 | Q7.80 | Q0.40 | −Q0.24 | +Q0.16 |
| Banrural | Q7.42 | Q7.82 | Q0.40 | −Q0.22 | +Q0.18 |
| Bantrab | Q7.40 | Q7.82 | Q0.42 | −Q0.24 | +Q0.18 |
Rates for 2026-09-30; Banguat reference: Q7.6386. Bold marks the day's highest buy rate and lowest sell rate. Sorted by the gap between sell and buy.
Buy (compra) is what the bank pays you per dollar; sell (venta) is what it charges you for one. The gap between them is the bank’s margin on a round trip. The last two columns compare each price with Banguat’s reference rate for the same day.
Which banks come out ahead over time
One day’s table can be a coincidence. This one counts the last 90 daily files, using the days that had bank rates:
Pulled Sep 30, 2026 at 12:31 Guatemala time from tipodecambio.deguate.net + Banguat.
| Bank | Average sell-buy gap | Days with the highest buy rate | Days with the lowest sell rate | Days with a rate |
|---|---|---|---|---|
| Banco Inmobiliario | Q0.23 | 81 | 41 | 84 |
| Banco Promerica | Q0.37 | 3 | 0 | 84 |
| Banco Agromercantil (BAM) | Q0.38 | 0 | 43 | 84 |
| Banrural | Q0.39 | 0 | 0 | 84 |
| BAC Credomatic | Q0.40 | 0 | 0 | 84 |
| Banco Industrial | Q0.40 | 0 | 0 | 84 |
| Bantrab | Q0.40 | 0 | 0 | 84 |
Daily files from 2026-07-01 to 2026-09-30 (90 files; 84 with bank rates). Ties count for every bank tied.
In the last 90 daily files to 24 September 2026, 82 of which had bank rates, Banco Inmobiliario had the narrowest average gap (Q0.23) and the highest buy rate on 79 of those 82 days; Banco Agromercantil had the lowest sell rate on 47 of them. Banrural, BAC Credomatic, Banco Industrial and Bantrab averaged gaps of Q0.39 to Q0.40. The table above is rebuilt from the daily readings, so check it rather than this paragraph for the current counts.
What the gap costs you
The arithmetic is the same at every bank. Sell US$1,000 at the buy rate, buy it back at the sell rate, and the difference is the gap times 1,000:
| Gap (sell minus buy) | Round trip on US$1,000 | Round trip on US$10,000 |
|---|---|---|
| Q0.20 | Q200 | Q2,000 |
| Q0.30 | Q300 | Q3,000 |
| Q0.40 | Q400 | Q4,000 |
If you only convert one way, the number that matters is the buy rate (when you sell dollars) or the sell rate (when you buy them), not the gap.
Branch, app or online: a bank can post more than one rate
Banrural’s own board has separate columns for cash (Efectivo US$), documents and its app (Banca Virtual - APP); on 24 September 2026 the app rate was Q7.43 buying and Q7.79 selling, against Q7.42 and Q7.82 in cash. Banco Industrial’s own page has separate USD Agencia and USD En Línea headings. The comparison table above carries one figure per bank and does not say which channel it is. For the two banks’ own boards and history, see the Banrural dollar rate and Banco Industrial dollar rate pages.
Banguat’s reference rate
Banguat, the central bank, publishes a reference rate every day. Guatemala’s Ley de Libre Negociación de Divisas (Decreto 94-2000, Art. 1) makes the purchase and sale of foreign currency free, so it is not a price any bank has to offer you. Its averages over the last 30, 90 and 365 days:
| Period | Average | Low | High |
|---|---|---|---|
| 30 days (from 2026-09-01) | Q7.6296 | Q7.6220 | Q7.6386 |
| 90 days (from 2026-07-03) | Q7.6251 | Q7.6177 | Q7.6386 |
| 365 days (from 2025-10-01) | Q7.6443 | Q7.6136 | Q7.6948 |
Banguat reference rate per US dollar, daily series from 2025-02-24; latest: Q7.6386 (2026-09-30).
The daily series, its annual averages and every year’s low and high are on the historical exchange rate page; the live rate and every currency pair are on the exchange-rates page.
Methodology and sources
- Bank buy and sell rates: the bank table on tipodecambio.deguate.net, collected once a day by our exchange-rate scraper and stored as a daily file since February 2026. A bank enters a day’s table and counts only when it has both a buy and a sell price that day. BAM and Banco Agromercantil are the same bank and are counted once.
- Reference rate: Banguat’s published daily rate (TipoCambio web service).
- When a day’s collection fails, the previous day’s rates stay in place; the stamp above the two bank tables shows when those rates were collected and turns red once they are more than 30 hours old.
- Retired in September 2026: the 0-100 score this page used to publish, and the inputs behind it: ATM counts rounded from bank marketing, app-store ratings from an unrecorded date and a subjective foreigner-friendliness grade from branch visits. They were hand-entered figures we did not re-check against a source, so they are gone rather than dated.