On Friday, November 13, the Ukrainian currency market demonstrated a moderate strengthening of the hryvnia: both the dollar and the euro decreased slightly in exchange offices, while changes in the banking segment were even more restrained. According to the Minfin service, quotes recorded by Friday morning show that the American currency became cheaper in exchange offices on the buying side, while the selling price remained unchanged. The European currency fell in price on both sides of the transaction. It is important to consider that the final price of foreign currency in banks depends on the specific institution and the chosen calculation method — at the cash desk, via a mobile app, or by card.
Exchange Offices: Dollar and Euro Decrease
According to Minfin data, as of Friday morning, November 13, the dollar is bought in exchange offices at 46.03 hryvnias, which is 3 kopecks lower than the previous level, and sold at 46.23 hryvnias unchanged. Thus, the spread between the purchase and sale of the American currency in exchange points remained at 20 kopecks. The euro in exchange offices today is bought at 51.10 hryvnias (a decrease of 11 kopecks) and sold at 51.45 hryvnias (a decrease of 10 kopecks). The difference between the buying and selling rates of the European currency in exchange offices is 35 kopecks.
Average Rates in the Banking Segment
In banks, the dynamics turned out to be even milder. The average dollar rate is 45.23 hryvnias for buying currency (a decrease of 6 kopecks) and 45.97 hryvnias for selling it (unchanged). The average euro rate in banks: purchase — 50.17 hryvnias (a decrease of 16 kopecks), sale — 51.17 hryvnias (a decrease of 7 kopecks). These indicators reflect the averaged picture of the banking sector and, as a rule, form a benchmark for private clients who prefer official channels of cash and cashless exchange.
Rates in Individual Banks: From PrivatBank to Monobank
Specific quotes vary depending on the bank and service channel. PrivatBank sells dollars in branches at 45.95 hryvnias (unchanged), and by card at 45.87 hryvnias (unchanged); euros in branches can be bought at 51.30 hryvnias (a decrease of 15 kopecks), and by card at 51.02 hryvnias (a decrease of 26 kopecks). Oschadbank in the app sells dollars at 45.90 hryvnias (unchanged), and by card at 46.05 hryvnias (an increase of 5 kopecks); the euro in "Mobile Oschad" costs 51.25 hryvnias (a decrease of 15 kopecks), and by card 51.40 hryvnias (a decrease of 20 kopecks). PUMB sells dollars at cash desks at 45.90 hryvnias (a decrease of 10 kopecks), and at the commercial rate at 45.90 hryvnias (an increase of 10 kopecks); euros in bank branches can be bought at 51.10 hryvnias (a decrease of 40 kopecks). Monobank today offers dollars at 45.86 hryvnias (unchanged) and euros at 51.01 hryvnias (a decrease of 16 kopecks).
Methodology and Caveats
The given values reflect average and typical quotes recorded by the morning of Friday, November 13, and may slightly differ depending on the region, specific branch or exchange point, as well as the transaction volume. The material is prepared exclusively for informational purposes and is not financial or investment advice: currency transactions are associated with risk, including the possibility of losing part of the capital. Before making financial decisions, it is recommended to check the current quotes in the chosen bank or exchange office and, if necessary, consult with a licensed financial specialist.
