Dollar at 44.95, euro weakens: where in Ukraine to buy currency most advantageously on September 23

On the Ukrainian foreign exchange market on September 23, 2026, a moderate strengthening of the dollar and a simultaneous weakening of the euro are observed. According to Minfin data, the average rate of the US currency in exchange offices was 44.95 UAH for purchase (+5 kopecks compared to the previous business day) and 44.80 UAH for sale (unchanged). The European currency, by contrast, became cheaper: the euro is sold at exchange offices at 51.90 UAH (−10 kopecks), while banks buy it at 51.62 UAH (−13 kopecks). Thus, the gap between the purchase and sale rates of the dollar across the market averages 15 kopecks, and for the euro — 28 kopecks.

Rates at major banks: dollar

Among major banking institutions, on September 23 the most accessible rate for selling cash dollars is offered by PrivatBank in branches and "Mobile Oschad" — both at 44.95 UAH (+5 kopecks compared to the previous day). PUMB at the commercial rate and Monobank set the price at 45.00 UAH (+10 and +6 kopecks, respectively). For PrivatBank cardholders, the sale rate is 45.04 UAH (unchanged), Oschadbank for cards — 45.10 UAH (+5 kopecks), and PUMB at the cash rate — 45.20 UAH (+10 kopecks). As for banks buying currency, the most favorable offer remains PUMB at the commercial rate — 44.70 UAH (+10 kopecks), followed by "Mobile Oschad" (44.65 UAH), Oschadbank for cards, PUMB cash, and Monobank (all at 44.60 UAH), PrivatBank for cards (44.50 UAH), and PrivatBank in branches (44.35 UAH).

Euro: where to buy cheaper and where to sell more advantageously

The lowest euro sale rate on September 23 was recorded at PrivatBank for cardholders — 51.54 UAH (−27 kopecks compared to the previous day). In PrivatBank branches, the euro is sold at 51.60 UAH (−10 kopecks), at Monobank — at 51.77 UAH (−3 kopecks), at PUMB — at 51.80 UAH (unchanged), at "Mobile Oschad" — at 51.85 UAH (+5 kopecks), and at Oschadbank for cards — at 51.98 UAH (unchanged). The best rate for banks buying the euro is offered by "Mobile Oschad" — 51.25 UAH (unchanged), followed by Oschadbank for cards (51.15 UAH), PUMB (51.10 UAH), Monobank (51.07 UAH), PrivatBank for cards (50.85 UAH), and PrivatBank in branches (50.60 UAH).

Contradictory data

In the provided fact-checking sources, no direct discrepancies in figures for September 23 have been identified: the main RBC-Ukraine material (source ID 1) fully matches the baseline data. However, it is worth noting that source ID 4 (focus.ua, September 10) records the dollar rate at "nearly 45 UAH," which is consistent with the current dynamics but does not allow confirming the exact values for September 23. Source ID 2 (ua.news, September 21) points to a general "weakening of the euro" at the NBU level, which correlates with the observed decline in the euro rate at commercial banks on September 23. Differences in absolute figures between exchange offices and banks (for example, the average exchange rate of 44.95 UAH versus 45.20 UAH at PUMB cash) are explained by commission spreads and are not a contradiction.

Context and recommendations for currency holders

The dynamics of September 23 confirm the trend that had been forming throughout September: the dollar is steadily held in the range of 44.80–45.20 UAH, while the euro shows a gradual decline. The difference between the best and worst dollar purchase rates among the banks considered is 85 kopecks (44.35–45.20 UAH), and for the euro — 44 kopecks (51.54–51.98 UAH). For those planning to exchange a significant amount, the choice of a specific bank and channel (cash/card transaction, branch/mobile app) can significantly affect the final cost of the transaction. The material is for informational purposes only and does not constitute financial or investment advice.