USDT to UAH rate: USDT/UAH on the exchange and at banks vs the NBU rate

How many hryvnias USDT, the digital dollar, costs on an exchange with a hryvnia market, and how much a regular dollar costs at Ukrainian banks. We compare both with the official rate of the National Bank of Ukraine (NBU) and with the market rate. Updated every hour.

Buying USDT

46.52 UAH

WhiteBIT · selling: 46.50 UAH

Official NBU rate (USD/UAH)

45.4123

Obowiązuje 10 listopada

USDT premium vs NBU

+2.42%

More expensive than the dollar at the NBU rate. At the market rate: +2.30%.

Buy-sell spread

0.04%

USDT on the exchange (WhiteBIT). Cash dollar at a bank: 1.31%.

USDT and the dollar in hryvnias: exchange, banks and the NBU rate

USDT and dollar rates in hryvnias on the exchange and at banks, and the premium over the official NBU rate
Where	Type	You buy at	You sell at	Mid	Premium vs NBU	Vs market rate
WhiteBITUSDT/UAH · 24h volume: 1.6M USDT	exchange	46.52 UAH	46.50 UAH	46.510 UAH	+2.42%	+2.30%
PrivatBank, card and Privat24USD/UAH	bank currency exchange	46.08 UAH	45.40 UAH	45.741 UAH	+0.73%	+0.61%
PrivatBank, cash at a branchUSD/UAH	bank currency exchange	45.95 UAH	45.35 UAH	45.650 UAH	+0.52%	+0.41%
monobank, cardUSD/UAH	bank currency exchange	45.95 UAH	45.53 UAH	45.740 UAH	+0.72%	+0.60%
Official NBU ratevalid on November 10	benchmark rate	–	–	45.4123 UAH	0.00%	−0.12%
NBU reference rateinterbank market, November 9 until 12:00	benchmark rate	–	–	45.3466 UAH	−0.14%	−0.26%
USD/UAH market rateCoinbase	benchmark rate	–	–	45.4659 UAH	+0.12%	0.00%

The exchange quotes the USDT price; banks quote the price of a regular dollar (USD). You buy at: the lowest ask; you sell at: the highest bid. Mid: the average of the two. Premium: the percentage by which the mid differs from today's official NBU rate. We treat USDT as equal to 1 US dollar. Excluding fees, hryvnia deposit and withdrawal charges and taxes.

We don't show prices from the P2P market: Binance, Bybit and OKX don't provide P2P listings in their public APIs. On P2P, the buy price is usually higher and the sell price lower than on the exchange.

USDT in hryvnias vs the NBU rate: chart

When the USDT line is above the NBU rate line, the digital dollar costs more in hryvnias than the dollar at the official rate. Hover over the chart to see the value for a selected day.

USDT/UAH on the exchange (WhiteBIT) 46.51Official NBU rate (USD/UAH) 45.4123Kurs rynkowy USD/UAH 45.4659

Since May 14. For days before our readings began, USDT/UAH is the daily close on WhiteBIT (2:00 Kyiv time in winter, 3:00 in summer), and the NBU line shows the official rate in effect that day. The market rate comes only from our hourly readings. The last point is the average for the current day.

Why USDT in Ukraine costs more or less than the official dollar

The NBU rate is a benchmark, not the price at a currency exchange

The National Bank of Ukraine sets the official rate once a day, based on the weighted average of transactions on the interbank market, that is, between banks. Nobody will sell you a dollar at this rate: banks and currency exchanges add their margin, and crypto exchanges have their own market where the price is set by buyers and sellers.

Currency restrictions and demand for the digital dollar

Since the start of the full-scale war in 2022, the NBU has restricted currency purchases and transfers abroad. Some restrictions have been eased over time, but buying dollars or transferring money to a foreign account still requires meeting certain conditions. For many people, USDT is the simplest way to keep savings in dollars or to pay abroad.

The cost of getting in and out

To buy USDT, you first have to deposit hryvnias on the exchange: by card, bank transfer or through the P2P market. To get out, you have to sell USDT and withdraw hryvnias. Every step has a cost: fees, card-to-card transfer limits set by banks, and the risk of your card being blocked over frequent transfers from strangers. As long as the price gap is smaller than these costs, nobody closes it.

When USDT is cheaper than the official dollar

When there are more USDT sellers on the market than buyers. Sellers include people and companies that get paid in crypto, for example for IT services for clients abroad, and need hryvnias for day-to-day expenses. A negative premium can also mean that exchanging USDT for hryvnias is expensive or risky, so sellers accept a lower price to get their money faster.

Exchange, P2P or bank

On an exchange, you buy from the order book: you see the price and the spread (the difference between the buy and sell price) and pay a fee. On the P2P (peer-to-peer, user-to-user exchange) market, you pay by transfer or card to the person selling USDT, and the exchange locks their coins until the payment is confirmed. P2P prices tend to be higher when buying and lower when selling than on the exchange, because sellers price in the cost and risk of the transfer. A bank sells regular dollars, not USDT, in line with currency regulations.

As of November 10, 07:51, refreshed every hour. Official and reference rates: National Bank of Ukraine (bank.gov.ua, open data). USD/UAH market rate: Coinbase. USDT/UAH: WhiteBIT public API. Bank dollar rates: PrivatBank and monobank public APIs. Calculations by kryptoliczby.pl.

Frequently asked questions

How many hryvnias is 1 USDT?

We show the current exchange price, the dollar rates at banks and the official NBU rate in the table at the top of the page, refreshed every hour. In hryvnias, USDT usually costs about as much as a dollar, give or take a few percent. The difference depends on demand for dollars, currency restrictions and the cost of depositing and withdrawing hryvnias.

Why does the USDT rate differ from the NBU rate?

The official NBU rate is an average of transactions between banks, not a price at which anyone will sell you a dollar. The USDT price on an exchange is set by buyers and sellers. When dollars can't be bought freely at banks and more people want digital dollars than want to sell them, USDT gets more expensive. When sellers who need hryvnias dominate, it gets cheaper.

Is USDT the same as a dollar?

No. USDT (Tether) is a stablecoin, a token that its issuer, the company Tether, redeems for dollars for its customers at 1:1. On exchanges, the USDT price in dollars usually differs from one dollar by fractions of a percent. The risk, however, is different from that of a dollar in a bank: it depends on the issuer's reserves and on the exchange or wallet where you hold your coins.

How do I safely buy USDT with hryvnias on P2P?

Use only the P2P market inside an exchange, which locks the seller's coins until the payment is confirmed. Pay only to the details in the order and don't move the conversation to messaging apps. When you sell, release the coins only once the money is in your account, not after a screenshot. Choose sellers with a large number of completed trades and check your bank's transfer limits.

The data is for information only and is not a recommendation or an encouragement to use any particular exchange, bank or P2P market. Risk Warning

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