On Friday, November 6, 2026, a moderate decline in major currency rates was recorded on Ukraine's cash foreign exchange market. Both the dollar and the euro dropped in price in private exchange offices and bank cash desks, while systemic banks maintained relatively stable quotes. The dynamics correspond to the National Bank's decision, which lowered official rates the day before, strengthening the hryvnia's position. Below is a detailed breakdown of quotes across platforms and banks as of the morning of November 6.
General Dynamics: Both Currencies Are Declining
According to Minfin portal data cited by RBC-Ukraine, the average purchase rate for the dollar in exchange offices was 46.30 hryvnias (a drop of 12 kopiykas), while selling the American currency was possible at 46.05 hryvnias (a drop of 15 kopiykas). The euro in exchange offices is sold at an average rate of 52.00 hryvnias (minus 15 kopiykas) and bought back at 51.70 hryvnias (minus 10 kopiykas). Thus, the spread between purchase and sale in exchange offices remained at its usual level, but both currencies shifted downward relative to Thursday, November 5.
Quotes in Exchange Offices
Exchange offices traditionally offer the widest spreads. Comparing with the figures of November 5, when the dollar in exchange offices was sold at 46.42 hryvnias and the euro at 52.15 hryvnias, the decrease of 12–15 kopiykas looks noticeable yet smooth: the market registers no panic demand for currency. For private individuals, this means that buying currency in an exchange office today is more profitable than in previous days, while selling it is less profitable due to the maintained spread.
Quotes in Systemic Banks
The banking segment reacts more restrainedly to the strengthening of the hryvnia. The average bank selling rate for the dollar dropped to 46.06 hryvnias (minus 8 kopiykas), and the buying rate dropped to 45.42 hryvnias (minus 6 kopiykas). Banks sell the euro at 51.80 hryvnias (minus 1 kopiyka) and buy it at 51.00 hryvnias (plus 2 kopiykas). The relative stability of bank quotes is explained by the fact that major players smooth out short-term fluctuations in the cash market and focus on the regulator's official rate.
Individual Rates of Major Banks
PrivatBank on November 6 sells dollars at cash desks for 46.05 hryvnias, and via card rate for 46.08 hryvnias (both unchanged); the euro at cash desks costs 51.80 hryvnias, and via card 51.81 hryvnias. Oschadbank in its mobile app sells the dollar for 45.95 hryvnias (plus 10 kopiykas), and for cards at 46.10 hryvnias (minus 5 kopiykas); the euro in the app is 51.65 hryvnias (plus 10 kopiykas), and via card 51.80 hryvnias (minus 5 kopiykas). PUMB keeps the dollar selling rate at 46.00 hryvnias both in cash desks and for card operations, while the euro in branches is 51.70 hryvnias (unchanged). Monobank sells the dollar at 46.01 hryvnias (unchanged) and the euro at 51.70 hryvnias (minus 10 kopiykas). The spread between banks remains small — within a few kopiykas.
Context: NBU Decision and Hryvnia Strengthening
The decline in market rates logically fits into the regulator's actions: the National Bank announced official rates for November 6 the day before, according to which the hryvnia strengthened its position. For comparison, back on November 2, the official dollar rate was 45.35 hryvnias, and the euro was 50.68 hryvnias, showing a moderate but steady trend. Experts remind that currency value significantly depends on the place of exchange — exchange offices, bank cash desks, and cashless operations offer different prices, so you should check quotes from multiple platforms before making a transaction.
Please note: This material is prepared for informational purposes only and does not constitute financial or investment advice. Investments carry risk, including the possibility of total capital loss. It is recommended to consult a licensed financial advisor before making any financial decisions.
