--- title: "Dollar stalls at 45 hryvnias: where is it most profitable to exchange currency in Ukrainian banks on August 18" description: "💵 The dollar has stabilized at the level of 45 UAH, the euro continues to rise. 📊 By the morning of August 18, the dollar rate in exchange offices settled at 44.90 UAH. The euro rose to 52.00 UAH. 🏦 Where is it most profitable to exchange currency: ✅ Buying dollars: Oschadbank (Mobile Oschad) — 44.82 UAH. ✅ Selling dollars: PUMB (commercial rate) — 44.70 UAH. ✅ Buying euros: Oschadbank — 52.03 UAH. ✅ Selling euros: Oschadbank — 51.75 UAH. ⚠️ The difference in rates between banks can reach 30-40 kopecks. Read the full breakdown of rates in the article." date: 2026-08-18T07:38:00.000Z lang: en url: https://xab.info/en/posts/dollar-stalls-at-45-hryvnias-where-is-it-most-profitable-to-exchange-currency-in-ukrainian-banks-on-august-18 tags: [currency-rates, ukraine-economy, privatbank, oshchadbank, dollar-uah, euro-uah] publisher: "XAB.info" --- # Dollar stalls at 45 hryvnias: where is it most profitable to exchange currency in Ukrainian banks on August 18 ![Dollar bills and euro sign against a rising graph, illustrating the stability of the dollar exchange rate at 45 hryvnias in Ukrainian banks on August 18](https://xab.info/media/2026/08/18/kurs-valyut-18-avgusta-2026-gde-vygodnee-obmen/kurs-valyut-18-avgusta-2026-gde-vygodnee-obmen-1.webp) ## 🎯 Key Points - The average dollar rate in exchange offices was 44.90 UAH, euro — 52.00 UAH. - The most profitable dollar purchase rate is offered by Oschadbank in the app. - The highest currency purchase rate (for client sale) is at PUMB. - The difference in rates between banks reaches 30-40 kopecks. By the morning of August 18, 2026, the Ukrainian foreign exchange market showed signs of stabilization. The US dollar rate in banks and exchange offices settled near the psychologically important mark of 45 hryvnias. Meanwhile, the European currency continues to show moderate growth, reacting to global economic trends. The difference between buying and selling rates (spread) remains significant in most financial institutions, requiring citizens to carefully choose where to exchange. ### Average market indicators and NBU dynamics According to the Minfin monitoring portal, the average cost of the dollar in Kyiv exchange offices on Tuesday morning is 44.90 hryvnias for sale and 44.80 hryvnias for purchase. Compared to the previous day, there are practically no changes, indicating a temporary lull in the trading of American currency. Meanwhile, the euro shows positive dynamics: the average selling price rose by 5 kopecks to 52.00 hryvnias, and the purchase price — to 51.80 hryvnias. ### Exchange rate grid of the largest banks: where is it cheaper to buy? An analysis of the exchange rate grids of leading Ukrainian banks reveals significant differences depending on the service channel (branches or mobile apps). The leader in currency accessibility for clients today is Oschadbank. In the "Mobile Oschad" app, the dollar is offered at the lowest selling rate — 44.82 hryvnias. The euro in the same app can be purchased for 52.03 hryvnias. PrivatBank, the country's largest private bank, offers higher prices. In branches, the dollar costs 44.99 hryvnias, while for cardholders — 45.04 hryvnias. The euro in PrivatBank branches is valued at 52.15 hryvnias, which is 12 kopecks more expensive than Oschadbank's offer. PUMB and Monobank also offer rates in the range of 45.00–45.20 hryvnias per dollar, making them less attractive for urgent currency purchases compared to the state bank. ### Profitable currency sale: who pays more? For those planning to sell foreign currency, the situation is different. The most generous buyer of the dollar today is PUMB, offering a commercial purchase rate at the level of 44.70 hryvnias. This is 5 kopecks higher than in Oschadbank (44.65 UAH) and Monobank (44.63 UAH). In PUMB branches, the purchase rate is 44.60 hryvnias. The lowest purchase rate for the dollar is recorded in PrivatBank branches — only 44.39 hryvnias. This creates a difference of almost 31 kopecks compared to the best offer on the market. When selling euros, the most profitable option is Oschadbank (51.75 UAH in the app), while PrivatBank branches offer the minimum price — 51.15 hryvnias, which is a critically important factor for large amounts. ### Contradictory data During the analysis of data, discrepancies in pricing methodology between banks were identified. PrivatBank and Oschadbank use separate pricing for individuals in branches and cardholders, which sometimes leads to a paradoxical situation where buying in the app can be more expensive or cheaper than at the cash desk. For example, in PrivatBank, the dollar selling rate for cards (45.04 UAH) is higher than in branches (44.99 UAH), which contradicts the general logic of reducing costs with remote service. PUMB, in turn, introduces the concept of a "commercial rate," which often turns out to be more profitable for purchase than the standard cash rate, although the conditions of its application may differ for different categories of clients. ## 🔍 Fact-Check Verification - [Currency rates on August 18: how much do the dollar, euro, and zloty cost](https://tsn.ua/ru/groshi/kurs-valyut-na-18-avgusta-skolko-stoyat-dollar-evro-i-zlotyy-3150233.html) - Подтверждает общую динамику стабилизации доллара и роста евро. - [Dollar is getting cheaper, euro is getting more expensive: NBU rate on August 18 and what is holding back currency growth](https://www.rbc.ua/ukr/news/dolar-deshevshae-evro-dorozhchae-kurs-valyut-1786974325.html) - Исходный материал для детального разбора курсов банков. - [Currency rates for August 18, 2025](https://minfin.com.ua/currency/2025-08-18/) - Подтверждает средние показатели рынка (44,90/44,80 для доллара). ## ❓ FAQ ### Q: What is the average dollar rate in exchange offices on August 18? **A:** According to Minfin, the average selling rate is 44.90 UAH, purchase — 44.80 UAH. ### Q: Where is it cheapest to buy dollars in banks? **A:** The lowest selling rate is offered by Oschadbank via the "Mobile Oschad" app — 44.82 UAH. ### Q: In which bank is it most profitable to sell dollars? **A:** The highest purchase rate is offered by PUMB at the commercial rate — 44.70 UAH.