Dollar and euro return to growth: where in Ukraine's banks it is cheaper to buy currency on September 3, 2026

On Thursday, September 3, 2026, the dollar and euro exchange rates at Ukrainian banks showed a reversal toward growth after the decline recorded the previous day. According to Minfin data, the average dollar rate at exchange offices as of the morning of September 3 stood at 44.85 UAH for purchase and 44.72 UAH for sale. The average euro rate at exchange offices settled at 52.05 UAH for purchase and 51.85 UAH for sale. Thus, both major currencies returned to an upward trend, interrupting the brief decline recorded on the previous trading day.

PrivatBank and Oschadbank rates on September 3

On September 3, PrivatBank sells dollars at its branches at 44.90 UAH (+20 kop. versus the previous day), while the card sale rate is 44.84 UAH (+20 kop.). Buying dollars at branches is possible at 44.30 UAH (+20 kop.), and via cards at 44.45 UAH (+20 kop.). As for the euro, at PrivatBank branches the purchase rate is 52.10 UAH (+15 kop.), and via cards it is 52.08 UAH (unchanged). Selling euros at branches is done at 51.10 UAH (+15 kop.), and via cards at 51.50 UAH (+25 kop.). Oschadbank, through "Mobile Oschad," sells dollars at 44.85 UAH (+10 kop.), and via cards at 44.95 UAH (+5 kop.). Buying through the mobile app is at 44.50 UAH (+15 kop.), and via cards at 44.45 UAH (+10 kop.). The euro in Oschadbank's mobile app is sold at 52.05 UAH (unchanged), and via cards at 52.20 UAH (unchanged). Buying euros through "Mobile Oschad" is at 51.50 UAH (+5 kop.), and via cards at 51.45 UAH (+5 kop.).

PUMB and Monobank: commercial and retail rates

On September 3, PUMB sells dollars at its branches at 45.10 UAH (+20 kop.), while at the commercial rate it is 44.80 UAH (+10 kop.). Buying dollars at PUMB branches is available at 44.50 UAH (+20 kop.), and at the commercial rate at 44.60 UAH (+20 kop.). The euro at PUMB cash desks is sold at 52.30 UAH (+20 kop.) and bought at 51.60 UAH (+20 kop.). Monobank, in turn, sells dollars at 44.83 UAH (+20 kop.) and buys them at 44.46 UAH (+20 kop.). The euro at Monobank is sold at 52.06 UAH (+1 kop.) and bought at 51.51 UAH (+16 kop.).

Where it is most advantageous to buy and sell currency

Among the major banks featured in the review, the most favorable dollar sale rate on September 3 is offered by PUMB at the commercial rate — 44.80 UAH. Next in the ranking come Monobank (44.83 UAH), PrivatBank for cards (44.84 UAH), Oschadbank through "Mobile Oschad" (44.85 UAH), and PrivatBank at branches (44.90 UAH). The US currency is sold most expensively by Oschadbank for cards (44.95 UAH) and PUMB at branches (45.10 UAH). When buying euros, the lowest rate is offered by Oschadbank through "Mobile Oschad" and Monobank — at 52.05 UAH. Next come PrivatBank for cards (52.08 UAH), PrivatBank at branches (52.10 UAH), and Oschadbank for cards (52.20 UAH). The maximum dollar purchase rate is offered by PUMB at the commercial rate — 44.60 UAH, while the minimum is PrivatBank at branches — 44.30 UAH. The lowest euro purchase rate among all the banks listed is recorded by PrivatBank at branches — 51.10 UAH.

Contradictory data

In the original RBC-Ukraine material on which this review is based, there is a clear editorial inconsistency in the section devoted to ranking the dollar purchase rate. After indicating the minimum dollar purchase rate (PrivatBank at branches — 44.30 UAH), the text goes on to list the figures 51.51 UAH, 51.50 UAH, and 51.45 UAH, which by magnitude correspond to euro purchase rates, not the dollar's. Most likely, when laying out the infographic or text, two blocks of data were mixed up. Based on the remaining figures from the same material, the correct sequence of dollar purchase rates from highest to lowest looks as follows: PUMB commercial (44.60) → Oschadbank "Mobile Oschad" (44.50) → Monobank (44.46) → PrivatBank for cards and Oschadbank for cards (44.45) → PrivatBank at branches (44.30). Readers are advised to verify the specific figures directly on the banks' websites before carrying out transactions.

Context and disclaimer

The reversal of the rate after the brief decline recorded at the end of the previous working week is typical for the Ukrainian currency market under conditions of elevated volatility. The spread between commercial and retail rates at individual banks reaches 30 kop. per dollar, which makes the choice of purchase channel (branch, mobile app, commercial account) a significant factor for large transactions. This material is for informational purposes only and does not constitute financial or investment advice. Investments carry risk, including the possibility of total loss of capital. Before making any financial decisions, it is recommended to consult a licensed financial advisor.