In 2025, gold and silver became record-breaking growth leaders in global markets, attracting the attention of both institutional investors and private savers. In 2026, it is important for Ukrainians to consider not only the potential for profit but also the risks of volatility and corrections, as warned by fintech expert Olena Sosedka.
ObmenAT24 service topped the Finance. ua rating as the most reliable crypto exchanger.
The National Bank of Ukraine set the official exchange rates for December 19: the dollar remained at 42. 33 hryvnias. The euro lost 3 kopecks, and the zloty gained 1 kopeck.
The U. S. International Development Finance Corporation (DFC) has fully launched the U.S.-Ukraine Reconstruction Investment Fund, which will begin reviewing projects in 2026. The fund will focus on critical minerals, energy, transportation, logistics, and technology, attracting private capital.
Ukraine announced a successful restructuring of GDP warrants worth $2. 6 billion, which will avoid significant payments in the post-war period. This transaction will strengthen debt sustainability and increase the country's budget predictability.
President of Ukraine Volodymyr Zelenskyy announced that partners have informed about the possible adoption of a final decision on financing Ukraine before the end of the current year. This decision will not be postponed until January or later.
The Ministry of Finance of Ukraine has published a draft law on the introduction of VAT for individual entrepreneurs from 2027, which is intended to improve VAT administration for single tax payers. The changes envisage a reduction of the single tax rate from 5% to 3% for the 3rd group of individual entrepreneurs who reach the limit of UAH 1 million, and mandatory registration as a VAT payer.
This refers to the stores Auchan, SPAR, VARUS, Torba, Sim23, Simi, as well as the marketplace MAUDAU.
The National Bank of Ukraine set the official exchange rate for the dollar at UAH 42. 3384, the euro at UAH 49.6291, and the zloty at UAH 11.7885 for December 18. In banks, the dollar is traded at UAH 42.10-42.50, the euro at UAH 49.40-49.97, and the zloty at UAH 11.55-12.10.
The Cabinet of Ministers of Ukraine reallocated the 2025 budget, allocating over UAH 25 million for generators and equipment for cultural institutions. This decision will allow museums, theaters, libraries, and reserves to operate continuously during power outages.
In November 2025, the average interest rates of banks on new hryvnia deposits for the public decreased to 10. 5% per annum. Rates on new hryvnia loans for the public increased to 35% per annum.
The National Bank of Ukraine set the official exchange rates for December 17, according to which the US dollar fell by 6 kopecks, to 42. 18 hryvnias. The euro and zloty exchange rates remained unchanged.
The Khmelnytskyi Oblast Court has ordered the State Enterprise "Diia" to provide technical information in a case against Raiffeisen Bank JSC regarding user identification. The plaintiff is challenging a loan agreement concluded after his bank account was blocked.
For December 16, the NBU set the official dollar exchange rate at UAH 42. 24, which is 5 kopecks more. The hryvnia slightly weakened its position against the American currency.
Musk became the first person in history whose fortune exceeded $600 billion, thanks to the increase in SpaceX's valuation to $800 billion. His stake in SpaceX is $336 billion, and in Tesla – $197 billion.
The National Bank of Ukraine has set the official exchange rates for December 15: the dollar fell by 8 kopecks, the euro by 5 kopecks, and the Polish zloty remained unchanged. The official exchange rate for the dollar is UAH 42.1936, for the euro UAH 49.4678, and for the zloty UAH 11.7143.
The Pension Fund of Ukraine clarified the required insurance experience for retirement in 2026. For 60-year-olds, 33 years of experience are needed, for 63-year-olds – 23 years, and for 65-year-olds – 15 years.
The Central Bank of the Russian Federation has filed a lawsuit against the Belgian depositary Euroclear regarding frozen Russian assets. The lawsuit will be heard in the Moscow arbitration court, where the central bank accuses Euroclear of causing damage due to the inability to dispose of funds and securities.
The National Bank of Ukraine set the official exchange rate of the dollar at 42. 27 hryvnias, which is 1 kopeck less than on Wednesday. The official exchange rate of the euro is 49.52 hryvnias, and the zloty is 11.71 hryvnias.
Yuriy Duchenko, President of the All-Ukrainian Bakers' Association, said that the Ukrainian bakery market is entering 2026 with high uncertainty. The price of simple bread will remain relatively stable, while high-margin products may rise in price by 10-15% or more than 20% in case of escalation of hostilities or significant power supply disruptions.
From December 11, UAH 1,000 of "Winter Support" can be spent on food products. The first to take advantage of this opportunity are customers of two retail chains.
The National Bank of Ukraine set the official dollar exchange rate at UAH 42. 28, which is 10 kopecks more than on Wednesday. The official euro exchange rate is UAH 49.22, an increase of 13 kopecks.
According to a Deloitte study, 75% of Ukrainians plan holiday shopping in 2025, preferring home celebrations and prudent spending. More than half of the surveyed Ukrainians plan to spend between 1,000 and 5,000 hryvnias on gifts.
The National Bank of Ukraine set the official exchange rate of the dollar for December 8 at UAH 42. 07, which is 1 kopeck more than on Monday. The euro exchange rate is UAH 49.02, and the zloty is UAH 11.59.
Ukraine's Universal Bank, part of Serhiy Tihipko's TAS group, held a meeting with international fixed-income investors. The meeting, organized by Morgan Stanley, could potentially allow the bank to quickly issue new bonds to the market.
High-tech stocks, crypto assets, and gold remain in demand among investors. New investment opportunities are also emerging – some of them are available to Ukrainians.
In 2025, Ukrainian banks filed 100,434 lawsuits against debtors, which is 1. 5 times more than last year and a record for the last 7 years. The leaders in the number of lawsuits are Universal Bank/Mono, A-Bank, and PrivatBank.
The National Bank of Ukraine set the official dollar exchange rate for December 8 at 42. 06 hryvnias, which is 12 kopecks less than on Friday. The euro exchange rate also decreased to 49.00 hryvnias, and the zloty to 11.58 hryvnias.
The first payments of UAH 6,500 under the "Winter Support" program have started in Ukraine. More than 323,000 people have already applied for assistance, including children under guardianship, children with disabilities, and single pensioners.
Ukraine's new proposal to exchange GDP warrants for 'C' type bonds is significantly more attractive to creditors than previous options. This is a critical step for Ukraine to emerge from debt default.
