Ukrainian banks and exchange offices updated the rates for major currencies on September 22, 2026. The spread in prices for the dollar and euro depends on the institution, the exchange channel (cash or card) and the direction of the transaction — buying or selling. Below is a detailed summary of the key banks and average exchange market indicators.
Average rates at exchange offices: the dollar rises, the euro holds steady
As of the morning of September 22, according to the Ministry of Finance, the average dollar rate at exchange offices is 44.90 UAH for selling (+2 kop. compared to the previous business day) and 44.80 UAH for buying (+5 kop.). Thus, the US currency continues its gradual rise. The euro is sold today at exchange offices for 52.00 UAH (unchanged) and bought for 51.75 UAH (unchanged) — the European currency holds its position compared to the previous day.
PrivatBank and Oschadbank: the gap between cash and card rates
PrivatBank sells dollars at its branches for 44.90 UAH (unchanged) and buys them for 44.30 UAH (unchanged). For cards, the selling rate is higher — 45.04 UAH (+20 kop.), while the buying rate is 44.45 UAH (unchanged). The euro at PrivatBank branches can be bought for 51.70 UAH and sold for 50.70 UAH; for cards — 51.81 UAH and 50.99 UAH respectively. Oschadbank via "Mobile Oschad" sells the dollar for 44.90 UAH (+5 kop.) and buys it for 44.60 UAH (+5 kop.); for cards — 45.05 UAH (+6 kop.) and 44.55 UAH (+5 kop.). The euro in "Mobile Oschad" — 51.80 UAH (+5 kop.) for buying and 51.25 UAH (+15 kop.) for selling; for cards — 51.98 UAH (+8 kop.) and 51.15 UAH (+5 kop.).
PUMB and Monobank: commercial and cash channels
PUMB sells dollars at the cash rate for 45.10 UAH and buys them for 44.50 UAH; at the commercial rate — 44.90 UAH and 44.60 UAH. The cash euro at PUMB — 51.80 UAH for buying and 51.10 UAH for selling. Monobank sells dollars for 44.94 UAH (+11 kop.) and buys them for 44.55 UAH (+12 kop.); the euro — 51.80 UAH (+3 kop.) and 51.10 UAH (+3 kop.).
Where to buy cheaper and where to sell more profitably
The cheapest dollar today can be bought for 44.90 UAH — this rate was set by PrivatBank at its branches, "Mobile Oschad" and PUMB at the commercial rate. Next come Monobank (44.94 UAH), PrivatBank for cards (45.04 UAH), Oschadbank for cards (45.05 UAH) and PUMB at the cash rate (45.10 UAH). The lowest selling rate for the euro — at PrivatBank branches, 51.70 UAH; at other banks the euro is offered for 51.80–51.98 UAH depending on the channel. The highest buying rate for the dollar is offered by PUMB at the commercial rate and "Mobile Oschad" — 44.60 UAH. The most profitable way to sell the euro to a bank is via "Mobile Oschad" — 51.25 UAH, then Oschadbank for cards (51.15 UAH), PUMB and Monobank (51.10 UAH each), PrivatBank for cards (50.99 UAH) and PrivatBank at its branches (50.70 UAH).
Contradictory data
No significant discrepancies between sources regarding the rates on September 22 have been identified: the Ministry of Finance data on average exchange rates and the banks' "price tags" are consistent within a kopiyka. However, it should be noted that the gap between the cash and card rate within the same bank reaches 10–20 kopiykas (for example, at PrivatBank for the dollar — 44.90 UAH at branches versus 45.04 UAH for cards), and that PUMB's commercial rate is 20 kopiykas lower than the cash rate. These differences are not an error, but they affect the final cost of the transaction, so when exchanging large sums the channel of the operation is of decisive importance.
Note: this material is prepared for informational purposes only and does not constitute financial or investment advice. Investments involve risk, including the possibility of total loss of capital. It is recommended to consult a licensed financial advisor before making financial decisions.
