Dollar up, Euro down: current currency exchange rates in Ukrainian banks and bureaus on November 12, 2026

On Thursday, November 12, 2026, the Ukrainian cash foreign exchange market showed mixed dynamics: the US dollar rose slightly in exchange offices, while the euro, conversely, became cheaper. According to the Minfin portal, recorded during the morning hours, the American currency is being bought in exchange offices at 46.06 UAH (+6 kopecks compared to the previous day) and sold at 46.23 UAH (+3 kopecks). The European currency in the same exchange offices is bought at 51.21 UAH (−29 kopecks) and sold at 51.55 UAH (−25 kopecks). Thus, the spread between the buy and sell rates for the dollar in exchange offices is 17 kopecks, and for the euro — 34 kopecks.

Average banking sector indicators

In the banking segment, the picture is somewhat different. The average dollar rate in Ukrainian banks on the morning of November 12 is 45.39 UAH for purchase (−10 kopecks) and 45.93 UAH for sale (−12 kopecks). This means that in banks, unlike in exchange offices, the dollar has slightly decreased in price. The average euro rate in banks: purchase — 50.53 UAH (−29 kopecks), sale — 51.38 UAH (−23 kopecks). The difference between the average bank rate and the rate in exchange offices for the dollar is about 30–34 kopecks in favor of the exchange offices, which is typical for the Ukrainian cash currency market.

Individual rates of major banks

Among the largest banking institutions of Ukraine, there are differences depending on the service channel. PrivatBank sells dollars at branches at 45.95 UAH (−15 kopecks) and via card at 45.87 UAH (−21 kopecks). The euro at PrivatBank branches costs 51.45 UAH (−30 kopecks), and by card — 51.28 UAH (−26 kopecks). Oschadbank in its mobile app offers the dollar at 45.90 UAH (−10 kopecks), and by card at 46.00 UAH (−15 kopecks); the euro in the "Mobile Oschad" is 51.40 UAH (−25 kopecks), and by card — 51.60 UAH (−20 kopecks). PUMB sells dollars at counters at 46.00 UAH (unchanged) and at a commercial rate of 45.80 UAH (−30 kopecks); the euro at branches is 51.50 UAH (unchanged). Monobank offers the dollar at 45.86 UAH (−15 kopecks) and the euro at 51.17 UAH (−36 kopecks).

Dynamics and context

Comparing the data for November 12 with indicators recorded earlier in 2026 allows for a stable trend to be traced. Back in August of this year, the average dollar sell rate in exchange offices was about 44.81–44.88 UAH, and for the euro about 51.80–52.10 UAH. By November, the dollar in exchange offices had gained more than 1.3 hryvnias, while the euro, despite decreases on some days, generally remained in the 51.50–52.10 UAH range. The official NBU rate, set for November 11, also reflects a moderate weakening of the hryvnia against the dollar and strengthening against the euro.

Experts note that the mixed movement of the two major currencies in the Ukrainian cash market is due to seasonal demand, interbank market dynamics, and external macroeconomic factors. The difference between rates in exchange offices and banks, as well as between cash and non-cash transactions, remains a significant factor when choosing a currency exchange channel for individuals.

Note: this material is prepared solely for informational purposes and is not financial or investment advice. Investments involve risk, including the possibility of total capital loss. Before making any financial decisions, it is recommended to consult a licensed financial advisor.