Dollar and Euro in Ukraine on November 10: Exchange Offices Raise Rates, Banks Split in Assessments

On Tuesday, November 10, 2026, the Ukrainian currency market demonstrated uneven dynamics typical of current conditions. The dollar and euro in exchange offices and banks changed asynchronously: the US currency rose in price in a number of institutions, while the euro, conversely, became more accessible in some banks. According to the Minfin portal, recorded on Tuesday morning, the cash dollar rate in exchange offices was 46.15 UAH for purchase and 46.36 UAH for sale, which is 10 and 3 kopecks higher than previous values, respectively. The euro at the same exchange points was estimated at 51.66 UAH for purchase (+11 kop.) and 51.91 UAH for sale (+6 kop.).

Average Bank Rates: Dollar Rises, Euro Varies

In the banking segment, the picture turned out to be more complex. The average purchase rate for the dollar in Ukrainian banks reached 46.02 UAH (+2 kop.), and the sale rate reached 45.42 UAH (+25 kop.). For the euro, banks on average buy currency at 51.57 UAH (+6 kop.) and sell it at 50.75 UAH (+23 kop.). Thus, both foreign currencies showed growth on average across the banking sector, but the spread between individual institutions remains significant, which is typical for a market with high volatility.

Rates in Major Banks: From PrivatBank to Monobank

PrivatBank kept the dollar sale rate in branches at 45.99 UAH unchanged, and at 46.08 UAH by card. Meanwhile, the euro in the branches of Ukraine's largest bank fell by 10 kopecks to 51.60 UAH, while the card rate remained unchanged at 51.54 UAH. Oщадбанк (Oschadbank) raised the dollar sale rate in its mobile application by 5 kopecks to 45.95 UAH, and by card by 10 kopecks to 46.10 UAH. The euro in 'Mobile Oschad' rose by 5 kopecks both in the app (51.50 UAH) and by card (51.65 UAH).

PUMB sells dollars in cash desks at 46.10 UAH (+10 kop.), and at the commercial rate — at 46.00 UAH unchanged. The euro in the bank's branches fell by 10 kopecks to 51.60 UAH. Monobank, in turn, lowered the dollar sale rate by 3 kopecks to 45.94 UAH, but raised the euro by 17 kopecks to 51.53 UAH. Thus, even within a single day, different banks form noticeably different conditions for clients, which emphasizes the fragmented structure of the retail currency market.

Context: What Lies Behind Current Levels

A comparison with data from September 2026, when the average bank dollar sale rate was about 44.29 UAH, and the euro was 51.36 UAH, shows that over more than two months, the US currency has added about 1.7 UAH, while the euro has practically remained unchanged. This indicates that pressure on the hryvnia this year is formed primarily due to demand for the dollar rather than the euro. Experts previously noted that the exchange rate is influenced by seasonal factors, export revenue volumes, and National Bank decisions on intervention policy. Investors and citizens planning currency transactions are advised to track rates in specific institutions, as the spread between banks can reach several dozen kopecks per unit of currency.

The material is prepared for informational purposes and does not constitute financial or investment advice. Investments carry risk, including the possibility of total capital loss. Before making financial decisions, it is recommended to consult a licensed advisor.