EU approved 90 billion euros for Ukraine: how will it affect the exchange rate of the hryvnia by the end of the year.

According to ТСН: The main economic, and possibly political event of last week was the important decision of the EU Council on financial assistance to Ukraine for 2026. It turned out to be positive: EU countries have agreed to provide an interest-free loan of 90 billion euros for 2026-2027. Funding will start in January next year.

This affected the exchange rates in Ukraine. In the cash market, the hryvnia stopped depreciating against the dollar and euro. As of Friday, the exchange rate stabilized, although at higher levels than before. The dollar costs on average 42.5 hryvnias, and the euro - almost 50 hryvnias per unit.

“What to expect from the exchange rate by the end of this year and the beginning of next year, what to do with currency, what is more profitable now: the dollar, euro or are there other options, read in the analytical project TSN.ua. The project will be published once every two weeks, so the next publication will be on January 5, 2026.”

Experts shared their forecasts regarding the situation in the currency market:

• What is happening in the currency market;
• What to expect from the exchange rate from December 22, 2025, to January 4, 2026;
• Whether to sell or buy currency during the Christmas and New Year holidays.

Dollar and euro exchange rates in exchange offices

According to specialized websites finance.ua and minfin.com.ua, the average cash dollar exchange rate changed during the week from December 15 to 21. The maximum exchange rate was observed on Wednesday when the dollar cost 42.55 hryvnias per unit for sale. On Sunday, December 21, the exchange rate was 42.50 UAH/USD for sale and 42 hryvnias for purchase.

The euro exchange rate also changed, but at its maximum level it reached 50 hryvnias per euro. On Sunday, the exchange rate stabilized at 49.90 hryvnias for sale.

On the illegal market, according to the service 'minyaylo' (miniaylo), the dollar sales rate fluctuated slightly, within 10 kopecks. The maximum rate was 42.38 hryvnias, and the minimum was 42.28 hryvnias.

The National Bank continued to weaken the hryvnia against the dollar and euro. The official dollar exchange rate increased to 42.34 hryvnias per dollar, while the euro exchange rate reached 49.67 hryvnias.

The dollar/euro ratio remained unchanged – 1.17 dollars per euro. Predictions of potential fluctuations in rates were discussed by various experts.

“There were fluctuations to the upper limit, and then, thanks to the sale of currency by the National Bank, the rate decreased. If the EU decision had not been made, the market could have reacted panickily.”

Experts believe that the exchange rate of the hryvnia will not undergo significant changes until the New Year, despite the upcoming holidays.

“In the next two weeks, no significant upheavals are expected, as Ukraine has been promised financial assistance,” one analyst is confident.

Forecasts regarding further actions in the currency market diverged. Some experts recommend switching to other financial instruments, such as government bonds, while others advise holding cash currency.

“The situation is now clear: the hryvnia will become the most profitable investment tool. However, gold will remain inaccessible to the general public,” noted one expert.

Overall, the situation in the currency market will remain under control, and exchange rates are not expected to cause significant fluctuations in the near future.