# Bankday

> Bankday is a business-day, holiday and settlement-date API. It answers "is this a business day?", "what is N business days from X?", "when does this ACH payment settle?" and "what is the FX spot date?" for payment rails (US Federal Reserve FedACH/Fedwire, FedNow, TARGET2/SEPA, UK Bacs/CHAPS), 28 stock exchanges and 247 countries. It also answers "what is the minimum wage at this US address on this date?": every federal, state, county and city rate, checked against the official source, including every change on January 1, 2027.

- Minimum wage facts with sources: https://bankday.dev/minimum-wage (every state and city), https://bankday.dev/minimum-wage-2027 (every increase next year). Full dataset licence: https://bankday.dev/minimum-wage-data

- Base URL: https://bankday.dev/v1
- Auth: header `Authorization: Bearer <key>`; free key at https://bankday.dev/#signup (1,000 requests/month)
- MCP server (streamable HTTP): https://bankday.dev/mcp with the same bearer key
- OpenAPI: https://bankday.dev/openapi.json
- Docs: https://bankday.dev/docs

## Endpoints
- GET /v1/business-day?calendar=us-fed&date=2026-10-12: business day or not, closures, next/previous business day
- GET /v1/today?calendar=xnys: status today in the calendar's local time zone + upcoming holidays
- GET /v1/business-days/add?calendar=us-fed&date=2026-11-25&days=2: add/subtract business days
- GET /v1/business-days/count?calendar=gb&start=2026-01-01&end=2026-12-31: count business days (start exclusive, end inclusive)
- GET /v1/business-days/next|previous?calendar=de&date=2026-12-24
- GET /v1/business-days/roll?calendar=eu-target2&date=2026-05-31&convention=modified_following
- GET /v1/business-days?calendar=jp&start=2026-01-01&end=2026-01-31: list business days
- GET /v1/holidays?calendar=uk-bacs&year=2027
- GET /v1/fx/spot?pair=EURUSD&trade_date=2026-11-25
- GET /v1/ach/settlement?submitted_at=2026-10-14T15:10:00-04:00&type=same_day
- GET /v1/payroll/schedule?calendar=us-fed&frequency=semimonthly&year=2027: pay dates moved off weekends/holidays, with submit-by deadlines (weekly and biweekly need anchor=YYYY-MM-DD)
- GET /v1/calendars?type=rail|exchange|country&q=search
- GET /v1/minimum-wage?state=WA&city=Seattle&date=2027-01-01 (or address=..., or lat=...&lon=...): every minimum wage that applies there (federal, state, county, city), the governing rate, tipped cash wage, other rates, next change, each with its official source. Canada: state=ON etc. City and county rates need the Developer plan, address and coordinate lookups the Business plan.
- GET /v1/minimum-wage/changes?from=2027-01-01&to=2027-12-31&state=CA: scheduled minimum wage changes, plus changes whose amount isn't announced yet (Business plan)
- GET /v1/minimum-wage/jurisdictions?state=CA: jurisdictions covered
- Public pages: https://bankday.dev/minimum-wage (every state and city), https://bankday.dev/minimum-wage-2027 (every increase next year), https://bankday.dev/minimum-wage.csv

Combine calendars with commas (calendar=us-fed,eu-target2): a day is a business day only if it is one on every calendar.

## Calendar ids
Rails: us-fed (US Federal Reserve (FedACH, Fedwire)); us-fednow (FedNow & RTP (24x7x365)); eu-target2 (TARGET2 / T2 (Eurosystem)); ca-payments (Payments Canada (Lynx, ACSS)); uk-bacs (UK Bacs & Faster Payments settlement)
Exchanges: xnys (New York Stock Exchange); xnas (Nasdaq); xcme (CME Group); xlon (London Stock Exchange); xtse (Toronto Stock Exchange); xasx (Australian Securities Exchange); xjpx (Japan Exchange Group (Tokyo)); xhkg (Hong Kong Stock Exchange); xshg (Shanghai Stock Exchange); xshe (Shenzhen Stock Exchange); xkrx (Korea Exchange); xtai (Taiwan Stock Exchange); xses (Singapore Exchange); xbom (BSE (Bombay Stock Exchange)); xnse (National Stock Exchange of India); xetr (Xetra (Deutsche Börse)); xfra (Frankfurt Stock Exchange); xswx (SIX Swiss Exchange); xmad (Bolsa de Madrid); xwar (Warsaw Stock Exchange); xist (Borsa Istanbul); xjse (Johannesburg Stock Exchange); bvmf (B3 (Brasil Bolsa Balcão)); xmex (Bolsa Mexicana de Valores); xbue (Bolsas y Mercados Argentinos); xbog (Bolsa de Valores de Colombia); xnze (New Zealand Exchange); ifeu (ICE Futures Europe)
Countries: ISO 3166 alpha-2 codes in lower case, e.g. us, gb, de, fr, jp, in, br, mx, ca, au (247 total)