Euro exchange rate hits records again: what to do with currency in January.

Changes in dollar and euro rates in Ukraine

According to ТСН: The situation on the currency market is becoming increasingly interesting: at the end of December, the dollar rate fell, but from December 30 it began to rise again. This trend continues into 2026. As for the euro, its rate has already become familiar, exceeding 50 hryvnias, which was observed last year.

A brief overview of forecasts for the next two weeks of January

Experts draw attention to:

• current events in the currency market;

• forecasts for the rate from January 5 to January 18;

• buying and selling cash currency.

Dollar and euro rates in exchange offices

According to specialized websites, the cash dollar rate increased by 20 kopecks in sales to 42.53 UAH/dollar and by 7 kopecks in purchases to 41.97 UAH/dollar over two weeks, from December 22 to January 4. The main changes in the rate occurred: a decrease from December 22 to December 28 and an increase from December 29 to January 4.

The euro rate also increased

The cash euro rate rose by 18 kopecks in sales to 50.04 UAH/euro and by 12 kopecks in purchases to 49.35 UAH/euro. The highest sale rate of the euro on December 30 was 50.18 UAH/euro, which became a record for this market.

Official rate and expert forecasts

The National Bank ended last year with an official rate of 42.39 UAH/dollar and 49.86 UAH/euro. Throughout 2025, the hryvnia depreciated by 36 kopecks against the dollar and by 6.17 UAH against the euro.

Experts predict a slight depreciation of the hryvnia over the next two weeks. It is expected that the official rate may decrease, and the rates in the cash market may rise against the backdrop of increasing demand.

What to do with currency

Experts advise returning to hryvnia investment instruments, such as government bonds (OVDP) and hryvnia term deposits, which can provide better returns compared to purchasing cash currency.

It is important to actively monitor the situation in the market and choose optimal strategies for preserving and increasing finances.

The state of the currency market in Ukraine indicates instability, and although the dollar and euro rates currently show some fluctuations, experts emphasize the importance of making informed investment decisions. The growing demand for currency may affect rates, so it is advisable to stay updated on the latest trends and be prepared for changes in financial strategies.