---
title: "Dollar rate up to 46.5 UAH: why experts advise not to panic and how to preserve savings"
description: "The dollar rate may rise to 46.5 UAH by 2026 — but experts advise not to panic 📉💵. Sergey Mamedov from \"Globus Bank\" recommends a balance between the hryvnia and foreign currency, rather than fleeing to dollars. Plan your finances, don't act on emotions! 💡🇺🇦"
date: 2026-07-15T07:32:00.000Z
lang: en
url: https://xab.info/en/posts/dollar-rate-up-to-465-uah-why-experts-advise-not-to-panic
tags: [sergey-mamedov, globus-bank, nbu, ukraine-currency, rbc-ukraine]
publisher: "XAB.info"
---

# Dollar rate up to 46.5 UAH: why experts advise not to panic and how to preserve savings

![Hands holding dollars and euros against a currency exchange rate chart, illustrating the topic of saving savings amid dollar rate fluctuations up to 46.5 UAH](https://xab.info/media/2026/07/15/kurs-dollara-do-465-grn-pochemu-ne-stoit-panikovat/kurs-dollara-do-465-grn-pochemu-ne-stoit-panikovat-1.webp)

In the context of instability in the foreign exchange market, many Ukrainians are thinking about how to protect their savings. According to forecasts, by the end of 2026, the dollar exchange rate may reach the mark of 46–46.5 hryvnias. However, experts warn against panic actions and suggest a more balanced approach to managing personal finances.

### Why you shouldn't convert all your money into foreign currency

Sergey Mamedov, Vice President of the Association of Ukrainian Banks and Chairman of the Board of "Globus Bank", emphasizes: converting all savings into foreign currency is not the best way to protect against inflation or devaluation. "I would not advise thinking in terms of: either only hryvnia or only foreign currency," he noted in a podcast referenced by RBC-Ukraine.

According to the banker, many citizens perceive cash foreign currency as a "safe haven", but this is not always rational. A more effective strategy is maintaining a balance between the hryvnia and foreign currency depending on individual financial goals.

### Individual approach to storing money

Mamedov points out: there is no universal solution for everyone. The choice of instrument depends on several factors:

  - The amount of funds a person is willing to invest;

  - The term for which these funds will be "frozen";

  - Liquidity requirements — how quickly funds might be needed.

Instead of emotional reactions to news about exchange rates, the expert recommends using a "mathematical" approach — analyzing risks, terms, and goals before making decisions.

### NBU forecast: gradual weakening, not sharp devaluation

Sergey Mamedov does not expect a sharp or uncontrolled devaluation of the hryvnia. In his opinion, the National Bank of Ukraine has a sufficient set of tools to smooth out exchange rate fluctuations. The basic scenario assumes a smooth, gradual weakening of the national currency — it is in this context that the forecast of 46–46.5 UAH per dollar by the end of 2026 appears.

It is important to understand: these figures are not an exact forecast, but a guideline. The currency market is subject to many factors, and any forecasts are probabilistic in nature.

### Main advice: plan, don't panic

The expert urges citizens to avoid financial decisions dictated by fear or rumors. Instead, it is worth planning finances several months in advance, taking into account real needs and risks. Rational asset allocation is the key to financial stability in unstable times.

*Attention: this material is prepared solely for informational purposes and does not constitute financial or investment advice. Investments involve risk, including the possibility of total loss of capital. RBC-Ukraine is not responsible for financial decisions made based on this material. Before making any investment decisions, we recommend consulting a licensed financial advisor.*