As of the morning of September 14, 2026, the Ukrainian foreign exchange market shows a stable picture: the US dollar is holding below the psychologically important level of 45 hryvnia, while the euro, by contrast, has crossed the 52-hryvnia mark. It is precisely this gap between the two major currencies that determines customer behavior at exchange offices and bank branches. Below is a detailed breakdown of average and commercial rates based on data from the Minfin portal, which RBC-Ukraine cites.
Rates at currency exchange offices
At exchange offices, the average rate for buying the dollar on September 14 is 44.80 hryvnia, while the selling (change) rate is 44.70 hryvnia. Compared with Friday's morning values, these figures rose by 2 and 5 kopecks respectively, indicating a slight but noticeable strengthening of the American currency at the start of the new week. The euro at exchange offices is offered for purchase at 52.19 hryvnia (+1 kopeck) and for sale at 51.94 hryvnia (−1 kopeck). Thus, the European currency has settled above the psychological barrier of 52 hryvnia.
Average rates at banks
In the banking sector, the average dollar rate for purchase is 44.80 hryvnia and for sale is 44.33 hryvnia. The difference between buying and selling (the spread) is noticeably wider here than at exchange offices. The euro at banks is sold at an average rate of 52.06 hryvnia and bought at 51.44 hryvnia. These average values form a "corridor" within which individual credit institutions operate.
Rates at specific banks
PrivatBank sells dollars at 44.80 hryvnia in its branches and euros at 51.90 hryvnia; for cards, the dollar purchase rate is 44.84 hryvnia and the euro is 52.08 hryvnia. Oschadbank offers the dollar at 44.80 hryvnia and the euro at 52.10 hryvnia in its mobile app, while the card rate is 44.90 and 52.20 hryvnia respectively. Monobank sells dollars at 44.80 hryvnia and euros at 52 hryvnia. PUMB offers the dollar at 44.90 hryvnia and the euro at 52.20 hryvnia in its branches, while the commercial dollar purchase rate at this bank is 44.70 hryvnia.
Where is it more advantageous to buy currency
The most advantageous option as of the morning of September 14 is PUMB's commercial rate, where the dollar is sold at 44.70 hryvnia: in this case, 100 dollars will cost 4,470 hryvnia. The average level, typical for most banks (PrivatBank, Oschadbank, Monobank) and exchange offices, is 44.80 hryvnia, which corresponds to 4,480 hryvnia for 100 dollars. At the highest rate — from 44.90 hryvnia per dollar at Oschadbank's card rate or at PUMB branches — 100 dollars cost 4,490 hryvnia. The spread between the minimum and maximum rates is about 20 kopecks per unit of currency.
Dynamics and context
A slight increase in the dollar rate at the start of the week by 2–5 kopecks, against the backdrop of the euro settling above 52 hryvnia, indicates the continued moderate pressure on the hryvnia. At the same time, the dollar continues to hold below the 45-hryvnia mark, which for many market participants remains a comfortable psychological benchmark. Further dynamics will depend on the balance of supply and demand in the interbank market and on external factors.
Note: this material is prepared for informational purposes only and does not constitute financial or investment advice. Investments involve risk, including the possible total loss of capital. The publication bears no responsibility for financial decisions made on the basis of this material. Before making investment decisions, we recommend consulting a licensed financial advisor.
