Currency converter: euro and hryvnia at today's rate

The current amount is shown in the "popular amounts" table above – it is recalculated daily. To calculate another amount, multiply: the amount for 100 × 5 will give 500, × 10 – a thousand.

The calculation is based on the official exchange rates of the NBU (National Bank of Ukraine) and the ECB (European Central Bank). The NBU's hryvnia exchange rate is updated daily, the ECB rates are updated once a day on business days, and the page itself pulls fresh data once an hour.

It is important to understand that this is a reference rate, not a price at the checkout. It answers the question "how much does it cost at the official rate", not "how much will I get at the exchange office" – the second figure will always be slightly worse.

Exchange offices and banks make money on the difference between the buying rate and the selling rate – this is called the spread. Plus a commission, which is sometimes shown separately, and sometimes already "baked" into the rate.

Therefore, the rule is simple: the official rate is the upper limit of what you can get, not the offer itself. If an exchange office promises a rate "like the official one" and "zero commission" at the same time, look for where exactly it makes money: usually in the minimum amount, in the rate for small bills, or in the commission for a specific currency.

Before a large exchange, compare two or three places and look not at the rate, but at the final result "how much will I receive in hand". What is an exchange office (zmenáreň) – in the glossary.

For small amounts, the difference is usually within a few euros and not worth a separate trip. For large amounts – count three things together: the rate, the commission, and the minimum transaction amount.

Paying by card in a store often turns out to be more profitable than exchanging cash, because the bank uses the payment system's rate, which is close to the interbank rate. But watch out for two pitfalls: dynamic currency conversion at the terminal (when you are offered to "charge in your currency" – almost always at a worse rate, you must refuse) and your own bank's commission for transactions in foreign currency.

Services like Wise or Revolut offer rates close to the reference rate, but they have their own limits and tariffs, especially on weekends. Check them in the app before transferring, not after.

The main cost of a transfer is most often hidden not in the commission, but in the exchange rate. A service may show "0 commission" but include 2-3% in the currency conversion rate itself – and this will be more expensive than a fair fixed commission.

Therefore, compare not the tariffs, but the result: enter the amount in several services and see how many hryvnias the recipient will receive. This is the only figure that matters.

Separately check three things: the method of receipt (to card, to account, cash), the crediting period, and the limits. A period of "up to three days" in practice can mean the next business day, or it can mean Monday if you send on Friday evening.

The direction from Ukraine outwards is more complicated than the reverse: wartime currency restrictions apply here, and they change. Therefore, the first thing to do is to check the current limits with your Ukrainian bank, and not rely on advice from forums.

The three most common ways are: transfer from a Ukrainian card to a foreign account through a bank, services like Wise or Revolut (if your bank allows top-ups), and a classic SWIFT transfer. Each has its own limits, commission, and timeframe.

Also consider the difference in exchange rates: the hryvnia conversion takes place on the sender bank's side, and this is where the main loss is hidden. A broader context is in the "Finance" guide.

We take the hryvnia exchange rate from the National Bank of Ukraine, and the rates for other currencies from the European Central Bank. Both sources are official and free, and both publish reference rates.

The update frequency is different: the NBU sets the rate daily, the ECB publishes its rates once a day on business days. Because of this, on weekends and holidays, you see the last business day's value – it is not "outdated", it's just that a new one has not yet been published.

What these rates do not take into account: bank commission, exchange office spread, payment system fees, and transfer costs. Therefore, the final amount in your transaction will always differ – the official rate is needed to assess how fair a rate you are being offered.