The National Bank of Ukraine set the official exchange rate of the hryvnia against the US dollar and the euro for Thursday, September 3, 2026. Compared with the previous trading day, both foreign currencies rose: the US dollar and the euro gained in value amid a moderate strengthening against the national currency. At the same time, the regulator published a clarification on the circumstances under which a consumer is entitled to withdraw funds from a term deposit early, which became a relevant topic for deposit holders.
Official rate for September 3
According to NBU data, the official US dollar rate on September 3, 2026 stands at 44.60 hryvnias per unit of currency. The euro rate for the same date is set at 51.64 hryvnias. These values serve as a benchmark for banking operations and reflect the weighted-average quotation formed by the regulator based on interbank market data. For holders of foreign-currency savings and those planning purchases in foreign currency, it is precisely these figures that set the framework within which banks form their internal buying and selling rates.
Dynamics: what changed over the day
Compared with September 2, 2026, the dollar rose by 15 kopecks: the day before its rate was 44.45 hryvnias. The euro gained 11 kopecks — from 51.53 hryvnias to 51.64 hryvnias. Thus, over a single day the hryvnia demonstrated a moderate weakening against both currencies, while the pace of rate changes remained relatively calm and did not exceed the bounds of typical daily volatility. For long-term savings, such fluctuations are more of a tactical nature, however their cumulative impact on exchange rates at banks and exchange offices is already felt at the moment a transaction is made.
Deposits: can you withdraw money early
In parallel with setting the rate, the NBU clarified the procedure for the early return of funds from a term deposit. A consumer has the right to withdraw funds and accrued interest early only if such an option is expressly provided for in the terms of the contract with the bank. This provision is enshrined in the Law of Ukraine "On Amending Certain Legislative Acts of Ukraine on the Conditions for the Return of Term Deposits." If the contract does not contain a clause on early withdrawal, the funds together with interest will be returned, but only after the deposit term has expired. This means that before opening a deposit, the client should carefully review the contract for the relevant clause.
Contradictory data
The numerical rate figures cited in the publications coincide: the dollar at 44.60 UAH and the euro at 51.64 UAH on September 3. The differences concern only the editorial presentation of the dynamics. A number of sources describe the movement of the rates as a "sharp rise" or a "sharp upward move," whereas the actual magnitude of the change — 15 kopecks for the dollar and 11 kopecks for the euro — is moderate in scale and does not, in meaning, correspond to the word "sharp." Thus, the discrepancy is of an evaluative-stylistic nature and does not affect the rate figures themselves set by the NBU.
Altogether, the NBU data for September 3, 2026 record a slight rise in the value of the dollar and the euro against the hryvnia and simultaneously remind holders of term deposits of the dependence of the right to early withdrawal on the terms of the contract. For making financial decisions, it is important to rely on the regulator's official quotations and the text of the contract with the bank, rather than on the emotional coloring of headlines.
