On August 19, 2026, the foreign exchange market in Ukraine is experiencing a rate correction. Following yesterday's rise in the cost of major currencies, banks and exchange offices have revised their quotes downwards. On Wednesday, most financial institutions lowered the selling price of the US dollar and the Euro, giving citizens the opportunity to purchase foreign currency cheaper than the day before. Experts link this to a temporary stabilization effect against the backdrop of market volatility.

Average market and exchange office indicators

According to the analytical portal Minfin, as of the morning of August 19, the average dollar rate in exchange offices is 44.88 UAH for sale (a decrease of 2 kopecks) and 44.80 UAH for purchase (unchanged). The Euro in exchange offices is sold today at 51.95 UAH (a decrease of 5 kopecks), and purchased at 51.80 UAH (unchanged). These figures reflect a general trend of slight correction, which has affected both the cash and non-cash sectors of the market.

Currency rates in major banks: where it is more profitable to buy

Among major banking players, there is a spread in quotes, allowing clients to choose the most favorable conditions depending on the method of purchase (at a branch, via an app, or for cards). The most favorable dollar selling rate today is offered by PrivatBank in branches – 44.90 UAH (a decrease of 9 kopecks). For cards, the rate in PrivatBank is 45.04 UAH (unchanged). The Euro in branches can be bought for 52.10 UAH, and for cards – for 52.08 UAH.

Oschadbank offers dollars through the "Mobile Oschad" mobile app for 44.95 UAH (an increase of 13 kopecks), and for cards – for 45.15 UAH. The Euro in the mobile app can be bought for 52.10 UAH, and for cards – for 52.40 UAH. PUMB sells dollars in branches for 45.10 UAH, and at the commercial rate – for 45.00 UAH. Monobank keeps the rate at 45.03 UAH for the dollar and 52.06 UAH for the Euro.

Purchase rate analysis: where it is more profitable to sell currency

For those planning to sell currency, the situation also has its nuances. The highest dollar purchase rate today is offered by PUMB at the commercial rate – 44.70 UAH. Next follows Oschadbank via "Mobile Oschad" – 44.65 UAH, Monobank – 44.63 UAH. In PrivatBank branches, the purchase rate is 44.30 UAH, which is one of the lowest indicators among market leaders.

The Euro is best sold to Oschadbank via "Mobile Oschad" – 51.75 UAH. Next follow Oschadbank for cards – 51.65 UAH, PUMB – 51.60 UAH, Monobank – 51.50 UAH. In PrivatBank branches, the purchase rate is 51.10 UAH.

Contradictory data

During market monitoring, discrepancies in rate dynamics between different sales channels of the same bank were identified. In particular, Oschadbank shows divergent movements in quotes: the dollar selling rate via the mobile app increased by 13 kopecks (to 44.95 UAH), while the rate for cards remained unchanged (45.15 UAH). This creates a situation where purchasing via the app becomes more profitable than via card, which is atypical for the general market trend of decline.

It is also worth noting that while the average rate in exchange offices is falling, some banks (e.g., PUMB in branches) keep the dollar selling rate at 45.10 UAH, which is higher than the average market indicators. This indicates that liquidity and internal bank policies may influence quotes more than the general situation in the interbank market.

Forecast and recommendations

The current correction of rates may be a temporary market reaction to yesterday's rise. Investors and citizens are advised to closely monitor the rate dynamics throughout the day, as banks may quickly change quotes. For purchasing currency, PrivatBank branches and Oschadbank mobile apps currently appear most attractive. For selling currency, it is most profitable to use PUMB commercial rates or Oschadbank mobile services.