Exchange rates on August 31, 2026: dollar holds below 45 hryvnias, euro falls at Ukrainian banks

In the morning of August 31, 2026, Ukrainian banks and exchange offices updated the rates of major foreign currencies. The US dollar continues to hold below the psychological mark of 45 hryvnias, while the euro shows a moderate decline at a number of institutions. According to RBC-Ukraine, the average dollar rate at exchange offices is 44.81 UAH for sale (+1 kop.) and 44.70 UAH for purchase (unchanged). The euro is sold at exchange offices at 52.10 UAH (−4 kop.) and bought at 51.88 UAH (−6 kop.). Thus, for 1,000 dollars you will have to pay on average about 44,810 hryvnias, and for 1,000 euros — around 52,100 hryvnias.

Currency sale rates at the largest banks

Among the major banks, the most favorable dollar sale rate in the morning of August 31 is offered by PUMB at the commercial rate — 44.70 UAH. This is followed by PrivatBank in its branches (44.75 UAH), Oshchadbank via 'Mobile Oshchad' and Monobank (44.80 UAH each), as well as PrivatBank for cards (44.84 UAH). The most expensive US currency is offered by Oshchadbank for cards and PUMB in its branches — at 44.90 UAH each. As for the euro, the minimum sale rate is recorded at PrivatBank for cards — 51.08 UAH (−30 kop.), followed by PrivatBank in its branches (52.05 UAH), Monobank (52.06 UAH, −27 kop.), PUMB (52.20 UAH, −10 kop.), Oshchadbank via its mobile app (52.30 UAH) and Oshchadbank for cards (52.50 UAH).

Currency purchase rates: where it is more profitable to sell

For those who want to sell currency, the most attractive dollar purchase rate is offered by Oshchadbank via 'Mobile Oshchad' — 44.45 UAH. This is followed by Oshchadbank for cards and Monobank (44.40 UAH each), PUMB at the commercial rate (44.40 UAH), PUMB in its branches and PrivatBank for cards (44.30 UAH each), while at PrivatBank branches the purchase rate is 44.15 UAH. The euro is best sold to Oshchadbank via 'Mobile Oshchad' — 51.70 UAH, then Oshchadbank for cards (51.60 UAH), PUMB (51.50 UAH), Monobank (51.37 UAH), PrivatBank for cards (51.30 UAH) and PrivatBank branches (51.05 UAH).

Trends and context: what is happening in the market

An analysis of the dynamics over the past two weeks shows that the euro has been steadily falling: as recently as August 19 and 21, Ukrainian media recorded a consistent decline of the European currency at banks and exchange offices. The dollar, by contrast, showed sideways movement with minor fluctuations. On August 31 the trend persisted: the euro continues to lose ground (−4 kop. at exchange offices, up to −30 kop. in certain banking channels), while the dollar is virtually stable with a minimal rise of 1 kop. at exchange offices. Experts, whose forecasts are cited by RBC-Ukraine, warn that by the beginning of September demand for currency may exceed supply by 20%, creating a risk of pressure on the rate toward dollar strengthening.

Contradictory data

In publications from August 19 and 21 (UNIAN, Korrespondent), the rhetoric dominated by the 'cheapening' of the dollar and euro at exchange offices. However, the data as of the morning of August 31 record not a decline but a slight strengthening of the dollar at exchange offices (+1 kop. to 44.81 UAH for sale). A difference of 1 kop. formally does not change the overall picture, but it indicates that the 'cheapening' trend recorded in the previous weeks has given way this week to sideways movement with a slight bounce. Meanwhile, the euro continues to fall, confirming the divergence in the dynamics of the two major currencies. Readers should note that all rates provided are morning rates and may change during the day depending on market conditions.

Practical recommendations

For those planning to exchange currency on August 31, the optimal strategy for buying dollars is to turn to PUMB at the commercial rate (44.70 UAH) or to PrivatBank branches (44.75 UAH). Buying the euro is most profitable through PrivatBank's card channels (51.08 UAH). When selling currency, the maximum benefit is provided by Oshchadbank's mobile services: 44.45 UAH for the dollar and 51.70 UAH for the euro. It is important to remember that the spread between the best and worst rates in the banking segment is about 20 kop. for the dollar and more than 1 hryvnia for the euro, which for large exchange amounts can make a significant difference in the final cost.