---
title: "NBU rate on August 26: dollar and euro fall — and what is more profitable, a deposit or buying currency"
description: "The NBU set the dollar rate at 44.67 UAH and the euro at 51.08 UAH on August 26 — both currencies fell. A banker explained what dollar growth would match the deposit income."
date: 2026-08-25T13:50:07.000Z
lang: en
url: https://xab.info/en/posts/nbu-rate-august-26-dollar-euro-deposit
tags: [nbu-exchange-rate, dollar, euro, hryvnia-deposit, ukraine-economy]
publisher: "XAB.info"
---

# NBU rate on August 26: dollar and euro fall — and what is more profitable, a deposit or buying currency

![NBU exchange rates: US dollars, euros and coins against bitcoin and euro symbols — comparing currency purchase and a deposit](https://xab.info/media/2026/08/25/kurs-nbu-26-avgusta-dolar-evro-depozit/kurs-nbu-26-avgusta-dolar-evro-depozit-1.webp)

## 🎯 Key Points

- On August 26, the NBU set the dollar rate at 44.67 UAH (−3 kopecks) and the euro at 51.08 UAH (−7 kopecks) — both currencies became cheaper.
- According to Serhiy Mamedov's calculation, 100,000 UAH at 17.5% per annum for 6 months yields about 6,700 UAH of net income (total about 106,700 UAH).
- To match the deposit, the dollar must rise by more than 6.7% over 6 months (example: from 45 to about 48 UAH), without accounting for the buy/sell spread.

The National Bank of Ukraine set the official currency rates for Wednesday, August 26, 2026. Compared with the previous banking day, both major currencies — the US dollar and the euro — showed a decline, as recorded in the regulator's data.

### Official NBU rate on August 26

The US dollar rate on August 26 is set at 44.67 UAH per unit. This is 3 kopecks lower than the day before, when the American currency was worth 44.70 UAH. The euro also became cheaper: the regulator recorded a rate of 51.08 UAH, which is 7 kopecks lower than the previous day's figure.

### Dynamics: from the rise on August 24 to the decline

It is important to consider the multi-day trajectory. As late as August 24, several outlets reported a rise in the dollar and a new high for the euro, but by August 26 both currencies had turned toward weakening against the hryvnia. Thus, the decline on August 26 is a correction after a short-term rise, not a continuation of a sustained one-way trend.

### Deposit versus buying currency: a banker's calculation

Serhiy Mamedov, Vice President of the Association of Ukrainian Banks and Chairman of the Board of Globus Bank, emphasized in a comment to RBC-Ukraine that a hryvnia deposit and buying currency should be compared by real yield after taxes. According to his calculation, if you place 100,000 hryvnias for six months at 17.5% per annum, the net income will be approximately 6,700 hryvnias, and the total amount in the deposit — about 106,700 hryvnias.

### What dollar rate is needed to match the deposit

According to the banker, to get a comparable result from buying American currency, the dollar must rise by more than 6.7% over the same six months. As an example, he cited a situation where the rate at the time of purchase is 45 UAH: for a similar financial result in half a year, the rate must rise to approximately 48 UAH per dollar. At the same time, the calculation does not account for the difference between the buying and selling rates of currency at the bank, which in practice further reduces the yield from a speculative transaction.

### What this means for a depositor

The practical conclusion from the figures presented: with the current deposit yield (around 17.5% per annum) and a slight decline in the rate on August 26, buying currency "for the rise" requires the investor to precisely hit a dynamic exceeding 6.7% in half a year to outperform the guaranteed after-tax yield of the deposit. The spread between buying and selling at exchange points only strengthens this threshold.

## 🔍 Fact-Check Verification

- [Dollar and euro decline: NBU rate on August 26 and the real yield from a deposit](https://www.rbc.ua/ukr/news/dolar-i-evro-pishli-spad-kurs-nbu-26-serpnya-1787665388.html) - Первичный источник: курс доллара 44,67 грн (−3 коп.), евро 51,08 грн (−7 коп.), расчёт Мамедова по депозиту 100 тыс. грн под 17,5% и порогу роста доллара >6,7%.
- [Dollar and euro plummet: new currency rate on August 26](https://glavred.info/economics/dollar-i-evro-stremitelno-poleteli-vniz-novyy-kurs-valyut-na-26-avgusta-10791296.html) - Подтверждает снижение обеих валют на 26 августа.
- [NBU set a new official dollar and euro rate for August 26](https://financy.24tv.ua/ru/nbu-ustanovil-novyj-oficialnyj-kurs-dollara-evro-26-avgusta_n3129515) - Подтверждает факт установки НБУ нового официального курса на 26 августа.
- [NBU currency rate on August 24: dollar rose, euro hit a new high](https://tsn.ua/ru/groshi/kurs-valyut-nbu-na-24-avgusta-dollar-podorozhal-evro-obnovil-maksimum-3154262.html) - Использован как контекст динамики за 24 августа (разная дата, рост); не противоречит цифрам на 26 августа.

## ❓ FAQ

### Q: What official dollar and euro rate did the NBU set on August 26?
**A:** On August 26, the dollar rate is set at 44.67 UAH (3 kopecks lower than the previous day), and the euro at 51.08 UAH (7 kopecks lower).

### Q: How much will 100,000 hryvnias in a deposit earn in half a year?
**A:** According to Serhiy Mamedov's calculation, at a rate of 17.5% per annum, the net income after taxes will be approximately 6,700 hryvnias, for a total of about 106,700 hryvnias.

### Q: How much must the dollar rise to match the deposit income?
**A:** By more than 6.7% over six months. For example, when buying at 45 UAH, the rate must rise to approximately 48 UAH, while the buy/sell spread is not accounted for in the calculation.