Dollar and Euro Hit Records: How Currency Rates Changed in Ukrainian Banks on the Morning of August 11

On the morning of August 11, 2026, the Ukrainian foreign exchange market demonstrated a steady rise in major foreign currencies. There is a consistent trend towards the appreciation of the US dollar and the euro, which is being recorded both in exchange offices and in the country's largest financial institutions. Analysts note that the current dynamics indicate an increase in demand for hard currency against the backdrop of economic instability.

Dynamics in the Interbank Market and Exchange Offices

According to the monitoring portal Minfin, as of Tuesday morning, the average dollar rate in exchange offices was 44.93 UAH for selling and 44.80 UAH for buying. Over the past 24 hours, the American currency increased by 8 kopecks for selling and 7 kopecks for buying. The euro also showed growth: in exchange offices, it is sold at 51.95 UAH and bought at 51.72 UAH. The daily increase in the European currency was 15 kopecks for selling and 12 kopecks for buying.

Rates in Major Banks: Where is it more profitable?

The situation in Ukraine's largest banks differs somewhat from the average exchange office figures. PrivatBank, being the largest player in the market, set the dollar selling rate in branches at 45.05 UAH, which is 10 kopecks higher than the day before. For card clients, the rate remained unchanged at 45.04 UAH. The euro in PrivatBank branches can be purchased for 52.15 UAH, while in the card service the price rose to 52.35 UAH.

Oschadbank offers more attractive conditions for those who prefer mobile applications. Through "Mobile Oschad," dollars are sold at 45.00 UAH, whereas for cards the rate is 45.20 UAH. The euro in the app can be bought at 52.10 UAH, which is one of the lowest rates among major banks. PUMB sells dollars in its branches at 45.20 UAH, however, at the commercial rate the price is 45.00 UAH. Monobank fixes the dollar selling rate at 45.03 UAH, with no change compared to the previous day.

Analysis of Profitable Buying and Selling Rates

Among the largest banks, the most profitable dollar buying rate today is held by PUMB (commercial rate) and "Mobile Oschad" — both offer the currency at 45.00 UAH. Next is PrivatBank in branches with a rate of 45.05 UAH. The most expensive options are Oschadbank for cards and PUMB in branches — at 45.20 UAH. For those planning to sell currency, Oschadbank via the mobile app and PUMB at the commercial rate offer the best dollar buying rate — 44.70 UAH. PrivatBank in branches offers the least profitable buying rate — 44.45 UAH.

Contradictory Data

In the context of the current situation in Ukraine's currency market, there are discrepancies in the interpretation of the reasons for the rate increase. On the one hand, experts point to seasonal demand and inflationary expectations. On the other hand, some analysts link the growth to possible changes in the National Bank of Ukraine's policy and geopolitical tension. It is important to note that the regulator's official comments currently do not contain unambiguous explanations for the current dynamics, creating room for various interpretations.

Recommendations for Investors

Given market volatility, experts recommend that citizens be cautious when conducting currency operations. It is recommended to compare rates in different banks and use mobile applications to obtain the most favorable conditions. It is also important to remember that current rates may change during the day, so one should follow real-time updates. Before making investment decisions, it is strongly recommended to consult with a licensed financial advisor.