--- title: "Dollar up, Euro down: current currency exchange rates in Ukrainian banks and bureaus on November 12, 2026" description: "On November 12, 2026, the dollar in Ukrainian exchange offices rose to 46.23 UAH for sale, while the euro fell to 51.55 UAH. In banks, the average dollar rate was 45.93 UAH, and the euro was 51.38 UAH for sale." date: 2026-11-12T07:47:21.343Z lang: en url: https://xab.info/en/posts/currency-rates-dollar-euro-banks-exchange-nov12-2026 tags: [exchange-rate, dollar, euro, ukraine-banks, currency-market, uah] author: "Darya Fomina" publisher: "XAB.info" --- # Dollar up, Euro down: current currency exchange rates in Ukrainian banks and bureaus on November 12, 2026 ![Yellow Currency Exchange sign on a pink brick wall with a passerby](https://xab.info/media/2026/11/12/kursy-valyut-dollar-evro-banki-obmenniki-12-noyabrya-2026/kursy-valyut-dollar-evro-banki-obmenniki-12-noyabrya-2026-1.webp) ## Key Points - The dollar in Ukrainian exchange offices on November 12, 2026, is sold at 46.23 UAH (+3 kopecks), the euro at 51.55 UAH (−25 kopecks) - Average bank rate: dollar 45.93 UAH for sale (−12 kopecks), euro 51.38 UAH (−23 kopecks) - PrivatBank, Oschadbank, PUMB, and Monobank show mixed dynamics depending on the service channel - The spread between exchange offices and banks for the dollar is about 30 kopecks 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.* ## Fact-Check & Sources - [Банки и обменники обновили курс валют: сколько стоят доллар и евро 12 ноября](https://www.rbc.ua/ukr/news/banki-ta-obminniki-onovili-kurs-valyut-skilki-1794469133.html) - Primary source. All exchange and bank rate figures for 12.11.2026 are taken from this material (Minfin data). - [Банки и обменники обновили курс валют: сколько стоит доллар сегодня](https://www.unian.net/economics/finance/evro-v-ukraine-desheveet-banki-i-obmenniki-pokazali-aktualnyy-kurs-valyut-19-avgusta-13474200.html) - Used for contextual dynamics (August 2026). Not contradictory to the data on November 12, as it refers to a different date. - [Доллар и евро уходят вниз: курс валют в банках и обменниках на 28 августа](https://www.rbc.ua/ukr/news/dolar-ta-evro-ydut-uniz-kurs-valyut-bankah-1787903243.html) - Первоисточник. Все цифры курсов в обменниках и банках на 12.11.2026 взяты из данного материала (данные Minfin). - [Обменники обновили курсы валют в начале недели](https://korrespondent.net/business/financial/4907616-obmennyky-obnovyly-kursy-valuit-v-nachale-nedely) - Context: data for August 31, 2026. Confirms the trend of the gradual dollar rate increase throughout 2026. ## FAQ ### How much does the dollar cost in Ukrainian exchange offices on November 12, 2026? According to Minfin data on the morning of November 12, 2026, the dollar is being bought in exchange offices at 46.06 UAH and sold at 46.23 UAH. ### What is the average euro rate in Ukrainian banks on November 12, 2026? The average euro rate in banks is: purchase — 50.53 UAH, sale — 51.38 UAH. ### Where is it cheaper to buy dollars — at a bank or an exchange office? On November 12, 2026, the average bank dollar sell rate is 45.93 UAH, while in exchange offices it is 46.23 UAH. Thus, on average, the dollar is 30 kopecks cheaper at a bank. ### How has the euro rate in exchange offices changed during the day? The euro in exchange offices on November 12 became cheaper: the purchase rate dropped by 29 kopecks to 51.21 UAH, and the sell rate dropped by 25 kopecks to 51.55 UAH.