On August 10, 2026, the Ukrainian foreign exchange market observed a moderate increase in the cost of major foreign currencies. After the weekend, the US dollar and the euro demonstrated a trend towards appreciation in the cash segment, which was reflected in the rates at exchange offices and banks. According to the Minfin portal, the average selling rate of the dollar in exchange offices was 44.85 UAH, and the euro was 51.80 UAH. Experts link this growth to seasonal factors and changes in demand for foreign currency.
Rate dynamics in exchange offices
In exchange offices across the country, the US dollar was sold at an average rate of 44.85 UAH (+7 kopecks compared to the previous day) and bought at 44.73 UAH. The euro also showed growth: it was sold at 51.80 UAH (+14 kopecks) and bought at 51.60 UAH. These changes indicate an increased demand for cash foreign currency, which is often observed after weekends when citizens actively visit exchange offices to make purchases or transfers.
Rates in banks: differences between branches and online services
The banking sector demonstrated more stable dynamics. The average selling rate of the dollar in banks was 45.00 UAH (unchanged), and the buying rate was 44.52 UAH. The euro in banks was sold at 52.09 UAH (+6 kopecks) and bought at 51.35 UAH. At the same time, there are noticeable differences between rates in branches and through mobile applications. For example, PrivatBank in branches sold the dollar at 44.95 UAH, while for cards it was 45.04 UAH. Oshchadbank via "Mobile Oshchad" offered the dollar at 44.90 UAH, which is 5 kopecks cheaper than the previous day.
Profitable offers: where to buy currency cheaper
Among the largest banks, the most favorable rates for buying dollars today are offered by PUMB (commercial rate — 44.90 UAH) and "Mobile Oshchad" (44.90 UAH). Next is PrivatBank in branches — 44.95 UAH. The most expensive offers are from Monobank (45.03 UAH), PrivatBank's card rate (45.04 UAH), and Oshchadbank for cards (45.10 UAH). For the euro, the lowest selling rate is held by Oshchadbank via "Mobile Oshchad" — 52.00 UAH, followed by Monobank (52.06 UAH) and PrivatBank for cards (52.08 UAH).
Contradictory data
There are discrepancies in the interpretation of the reasons for the rise in currency rates. Some experts point to seasonal demand and preparation for the school year, while others link this to possible changes in the NBU's monetary policy. Furthermore, some sources note that the growth in exchange offices may be temporary and does not reflect long-term trends. At the same time, official NBU data for August 10 shows a decrease in the dollar and euro rates, creating a contradiction with the market dynamics in the cash segment.
Recommendations for citizens and investors
Citizens planning to exchange currency are advised to compare rates in different banks and exchange offices, especially considering the difference between branches and online services. For long-term investments, it is important to consider not only current rates but also macroeconomic factors, including inflation, NBU rates, and the geopolitical situation. It is important to remember that this material is for informational purposes only and does not constitute financial advice. Before making decisions, it is recommended to consult with a licensed financial specialist.
