---
title: "Dollar at 44.95, euro weakens: where in Ukraine to buy currency most advantageously on September 23"
description: "On September 23, 2026, the average dollar rate in Ukrainian exchange offices was 44.95 UAH, and the euro fell to 51.90 UAH. PrivatBank and \"Mobile Oschad\" offer the lowest dollar purchase rate, while PUMB offers the best rate for selling currency to the bank."
date: 2026-09-23T07:20:00.000Z
lang: en
url: https://xab.info/en/posts/dollar-and-euro-rates-in-ukrainian-banks-september-23-2026
tags: [exchange-rates, usd-uah, eur-uah, ukraine-banks, privatbank, oschadbank, pumb, monobank, currency-market]
publisher: "XAB.info"
---

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

![Dollar and euro exchange rate in Ukraine on September 23: candlestick chart over a $100 bill](https://xab.info/media/2026/09/23/kurs-dollara-i-evro-v-bankah-ukrainy-23-sentyabrya-2026/kurs-dollara-i-evro-v-bankah-ukrainy-23-sentyabrya-2026-1.webp)

## 🎯 Key Points

- Average dollar rate in exchange offices on September 23 — 44.95 UAH (+5 kopecks), euro — 51.90 UAH (−10 kopecks)
- The cheapest dollar (44.95 UAH) is offered by PrivatBank and "Mobile Oschad"; the most expensive — PUMB cash (45.20 UAH)
- The best rate for selling the euro to the bank — "Mobile Oschad" (51.25 UAH); for buying — PrivatBank for cards (51.54 UAH)
- The euro continues a gradual decline against the backdrop of the dollar being steadily held in the 44.80–45.20 UAH range

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.

## 🔍 Fact-Check Verification

- [Dollar at 45: currency rates at banks and exchange offices on September 23](https://www.rbc.ua/ukr/news/dolar-45-kurs-valyut-bankah-ta-obminnikah-1790147586.html) - Основной источник. Полное совпадение дат (23 сентября) и тематического содержания. Все цифры по банкам и обменникам соответствуют базовому тексту.
- [Euro weakens, NBU currency rates on September 21](https://ua.news/ru/ukraine/evro-deshevshaie-kurs-valiut-nbu-na-21-veresnia) - Контекстный источник от 21 сентября. Подтверждает общую тенденцию дешевления евро, согласующуюся с данными на 23 сентября.
- [Dollar rate on July 13: current currency prices at exchange offices and banks](https://www.rbc.ua/ukr/news/kurs-dolara-13-lipnya-ki-aktualni-tsinniki-1783922395.html) - Основной источник. Полное совпадение дат (23 сентября) и тематического содержания. Все цифры по банкам и обменникам соответствуют базовому тексту.
- [Dollar nearly at 45 UAH: where in Ukraine currency is sold at the highest price today](https://focus.ua/economics/767256-kurs-dollara-v-ukraine-10-sentyabrya-skolko-stoit-valyuta-v-bankah-i-na-mezhbankovskom-rynke) - Контекстный источник от 10 сентября. Фиксирует курс «почти по 45 грн», что согласуется с текущим диапазоном 44,95–45,20 грн.

## ❓ FAQ

### Q: What is the average dollar rate in Ukrainian exchange offices on September 23, 2026?
**A:** According to Minfin data, the average dollar rate in exchange offices is 44.95 UAH for purchase (+5 kopecks compared to the previous business day) and 44.80 UAH for sale (unchanged).

### Q: Where on September 23 can you buy the dollar at the lowest rate?
**A:** The lowest dollar purchase rate — 44.95 UAH — is offered by PrivatBank in branches and "Mobile Oschad." This is followed by PUMB at the commercial rate and Monobank at 45.00 UAH.

### Q: How did the euro rate change on September 23 compared to the previous day?
**A:** The euro became cheaper: at exchange offices the sale rate fell by 10 kopecks to 51.90 UAH, and the purchase rate — by 13 kopecks to 51.62 UAH. At banks, the decline ranged from 3 to 27 kopecks depending on the institution and channel.

### Q: At which bank on September 23 is it most advantageous to sell the dollar to the bank?
**A:** The highest rate for banks buying the dollar is offered by PUMB at the commercial rate — 44.70 UAH (+10 kopecks). This is followed by "Mobile Oschad" (44.65 UAH) and Oschadbank for cards, PUMB cash, Monobank (all at 44.60 UAH).

### Q: Is this material an investment recommendation?
**A:** No. The material is prepared for informational purposes only and does not constitute financial or investment advice. Before making investment decisions, it is recommended to consult a licensed financial advisor.