Dollar weakens, euro strengthens: current exchange rates at Ukrainian banks and exchange offices on August 20, 2026

As of the morning of August 20, 2026, the Ukrainian foreign exchange market is showing a characteristic divergent trend: the US dollar has fallen by 5–20 kopecks at most commercial banks, while the euro, conversely, has mostly risen by 10–30 kopecks. This pattern is confirmed by rate aggregators and data from specific bank cash desks, making the current day convenient for those planning currency transactions, but requiring careful comparison of prices between exchange offices and banking apps.

Divergent dynamics of the two main currencies

The key feature of the morning snapshot on August 20 is the divergence in the behavior of the dollar and the euro. The dollar rate at banks is falling: for example, at PrivatBank, the cash sale price dropped by 5 kopecks, while the card purchase price fell by 20 kopecks. At Monobank, the dollar also became 20 kopecks more affordable. The European currency is moving in the opposite direction: at the same PrivatBank, the euro at branches rose by 30 kopecks, and at Monobank — by 29 kopecks. Thus, there is no single trend in the market, and the optimal price depends on the specific exchange point and the method of conducting the transaction.

Average rates at exchange offices

According to the Minfin portal as of the morning of August 20, exchange offices accept dollars at an average rate of 44.77 hryvnias and sell the US currency at 44.85 hryvnias. The euro at exchange points is sold at an average rate of 51.90 hryvnias and bought at 52.15 hryvnias. The difference between the buying and selling rates (the spread) at exchange offices remains relatively narrow, which traditionally makes them attractive for small amounts, while banks often win in terms of convenience and security of transactions.

What banks offer: from PrivatBank to Monobank

In the banking sector, dollars are bought at an average rate of 44.51 hryvnias and sold at 44.99 hryvnias; the euro is accepted at 51.58 hryvnias and sold at 52.25 hryvnias. At the state-owned PrivatBank, the dollar at cash desks costs 44.85 hryvnias, and by card — 44.84 hryvnias; the euro at branches — 52.40 hryvnias, and by card — 52.35 hryvnias. Oschadbank in its mobile app sells the dollar at 44.90 hryvnias, and for cards — at 45.10 hryvnias; the euro in the mobile service — 52.30 hryvnias, and by card — 52.50 hryvnias. PUMB offers the dollar at the cash desk at 45.10 hryvnias, and at the commercial rate — 44.90 hryvnias; the euro at branches — 52.30 hryvnias. Monobank sells the dollar at 44.83 hryvnias, and the euro — at 52.35 hryvnias.

Contradictory data

The overall picture of 'the dollar weakens, the euro strengthens' has exceptions that should be taken into account. If the dollar fell at most banks, then at PUMB its cash rate remained unchanged at 45.10 hryvnias, while the commercial rate fell by only 10 kopecks. Similarly, the euro at PUMB branches did not change (52.30 hryvnias), whereas at other banks it rose. Moreover, the average bank selling price of the dollar (44.99 hryvnias) is noticeably higher than at exchange offices (44.85 hryvnias), which means: for large purchases at a bank cash desk, the final amount will be significantly higher than at an exchange point. These discrepancies are not an error but reflect the different pricing policies and spreads of individual market participants at the time of the morning snapshot.

Practical aspect: how much a thousand dollars costs

For clarity: buying 1,000 dollars at the average selling price in banks (44.99 hryvnias) will cost approximately 44,990 hryvnias, while at the average selling rate in exchange offices (44.85 hryvnias) — 44,850 hryvnias. The difference of 140 hryvnias per thousand dollars shows how the choice of exchange location affects the final cost. An exact calculation taking into account specific bank prices is provided in the RBC-Ukraine infographic. The material is for informational purposes only and is not financial or investment advice: investments involve risk, including the possible loss of capital, and it is recommended to consult a licensed financial advisor before making decisions.