Dollars and euros in savings — should Ukrainians buy currency.

Ukrainians are observing slight fluctuations in the exchange rates of the dollar and euro, which have become familiar in recent months. The dollar remains stable, while the euro continues to rise, not crossing the psychological barrier in the summer of 2025.

Journalist Nastya Rein spoke with Ilya Neshodovsky from 'ANTS' and found out if Ukrainians should buy dollars and euros now.

What currency to invest money in

The specialist advises diversification in the currency portfolio, especially now, in July 2025. The dollar can be held as a smaller part, as its value is weakening, though not dramatically. As for the euro, it is worth buying only for transactions abroad, as it may decrease in value soon.

An additional alternative to foreign currency is domestic bonds, which can yield up to 15% annual income from investment.

What is happening with the dollar and euro exchange rates

Currently, the official exchange rate of the hryvnia to the US dollar and euro looks like this:

• the dollar rate — 41.76 UAH/USD;
• the euro rate — 48.86 UAH/EUR.

In the cash market, the rates are 41.70 UAH/USD for sale and 41.60 UAH/USD for purchase. The euro has already crossed 49.10 UAH; however, according to the expert, the dollar's value will remain within 41-42 UAH, and the euro will not cross the threshold of 50 UAH according to the official rate.

What else Ukrainians should know

Ukrainians are recommended to diversify their currency savings and avoid suspicious cash, which may be banned from circulation.

In general, savings in Ukrainian bonds can be an interesting alternative for investing money, especially in July 2025.