The Ukrainian currency market on the morning of July 31 demonstrated divergent dynamics: the US dollar continued a gradual decline, while the euro surged sharply, approaching its April maximum. Currency buyers should note that the cost of purchasing 100 dollars may vary across different banks, and the euro rate in some branches has already exceeded the 52 hryvnia mark.
Average market indicators
According to data from the Minfin portal, in exchange offices, the US dollar lost 9 kopecks in value and was valued at an average of 44.86 hryvnias for purchase. The selling rate (cash out) of the currency dropped by 10 kopecks to 44.75 hryvnias. In contrast, the European currency showed steady growth: buying the euro in exchange offices became 20 kopecks more expensive — up to 51.60 hryvnias, while selling it increased by 15 kopecks, to 51.35 hryvnias.
In the banking sector, trends remained consistent. The average selling rate of the dollar in banks dropped by 17 kopecks to 44.98 hryvnias. Purchasing a dollar bill at a bank teller now costs an average of 44.52 hryvnias (-16 kopecks). The euro in banks jumped immediately by 21 kopecks on purchase (to 51.67 hryvnias) and by 13 kopecks on sale (to 50.97 hryvnias).
Rates in the largest banks
The situation in specific financial institutions has its own nuances. PrivatBank reduced the dollar selling rate in tellers by 10 kopecks to 44.95 hryvnias, while the card rate remained unchanged at 45.04 hryvnias. The euro in bank branches costs 51.80 hryvnias, and when paying by card — 51.81 hryvnias, with no changes compared to the previous day.
Oschadbank offered more favorable terms for buying dollars in the mobile app — 44.95 hryvnias (-15 kopecks). The card rate dropped by 10 kopecks to 45.10 hryvnias. Meanwhile, the euro in the app rose by 30 kopecks to 51.80 hryvnias, and for cards — to 51.95 hryvnias.
PUMB demonstrated divergent dynamics for the dollar: in tellers, the price dropped by 10 kopecks to 45.10 hryvnias, while for cards it fell by 20 kopecks to 44.90 hryvnias. The euro in bank branches became the most expensive among market leaders — 52.00 hryvnias (+30 kopecks).
Monobank, in turn, reduced the dollar cost by 5 kopecks to 44.98 hryvnias. The euro in the digital bank rose by 27 kopecks and now costs 51.80 hryvnias.
What this means for buyers
The current market conjuncture shows that the euro is approaching its April peak values, when its price reached 52.50 hryvnias. At the same time, the dollar demonstrates stable, albeit insignificant, price declines. The spread of rates between banks and purchase methods (teller or app) allows customers to choose the most favorable conditions for currency exchange.
