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Comparison of currency rates in Ukrainian banks
Compare the buy and sell rates of the dollar, euro, zloty and pound across Ukrainian banks in one table. This helps you find the most favourable rate and avoid overpaying when exchanging cash.
Why compare bank rates
Each bank sets its own rate and spread, so the difference on a single dollar or euro can reach several dozen kopecks. When exchanging a large amount this turns into noticeable savings. The table shows rates side by side so you immediately see where buying or selling currency is more profitable.
Buy, sell and the spread
The buy rate is how much the bank pays for your currency; the sell rate is how much you pay to acquire it. The gap between them is the spread. The smaller the spread, the better the exchange. Note that cash and non-cash rates may also differ.
Why a bank rate differs from the NBU rate
The official NBU rate is a reference figure for accounting, customs and macroeconomics, not a cash-desk price. A bank sets its own buy and sell rate based on demand, cash reserves and risk, so there is always a gap of a few to several dozen kopecks from the NBU rate. The calmer the currency market, the smaller this gap tends to be.
Cash rate or app rate
At many banks the rate in the mobile app or on a card account differs from the rate at a branch cash desk - online exchange is usually slightly more favourable, since the bank does not need to handle physical cash. For smaller amounts, if you hold a card with the relevant bank, it is worth checking the app rate first.
When it is more profitable to exchange currency
Bank rates often change during the day following the interbank market, so morning and evening figures can differ. Large amounts are worth splitting and comparing across several banks in advance rather than heading to the first branch that comes to mind. If the rate is volatile, it makes sense to watch the trend for a few days before a large exchange.