$url = 'http://www.cbr.ru/scripts/XML_daily.asp';
$curr = simplexml_load_file($url);

$rate = array();
foreach ($curr as $v) {
  if ($v->NumCode == 840)
   $rate['USD'] = array( 'CURRENCY' => 'USD',
      'DATE_RATE' => $curr['Date'],
      'RATE_CNT' => 1,
      'RATE' => (float)str_replace(',','.',$v->Value));
      
  if ($v->NumCode == 978)
   $rate['EUR'] = array( 'CURRENCY' => 'EUR',
      'DATE_RATE' => $curr['Date'],
      'RATE_CNT' => 1,
      'RATE' => (float)str_replace(',','.',$v->Value));
}