The volume of cash inflows to banks’ teller windows in the first half of 2026 increased by 8.9% compared to the same period in 2025—to 1 trillion 554.8 billion UAH, while the volume of cash disbursements rose by 8.7% to 1 trillion 602.4 billion hryvnias, according to statistics from the National Bank of Ukraine (NBU).
“The increase in cash inflows to bank teller windows was driven by a revival in economic activity starting in the second quarter of this year and sustained consumer demand amid rising household incomes, particularly wages and pensions,” the National Bank noted on its Telegram channel on Monday.
The regulator attributes the rise in hryvnia cash withdrawals from bank teller windows to heightened security risks caused by airstrikes and the destruction of industrial, energy, and residential infrastructure, which sustained public demand for cash.
In the first half of 2026, the largest share of cash withdrawals from bank teller windows, as before, came from customer transactions using payment cards—85.5%, or 1 trillion 369.7 billion hryvnias.
Banks’ purchases of foreign currency from customers accounted for 4.9%, or 78.9 billion UAH; cash replenishments for postal operators accounted for 3.4%, or 54.9 billion UAH; and payments of salaries and scholarships accounted for 2.2%, or 34.6 billion UAH.
The main sources of cash inflows to bank teller windows remained retail sales proceeds—31.4%, or 488 billion UAH—and customer transactions using payment cards—28.0%, or 435.7 billion UAH.
Foreign currency sales accounted for another 15.3%, or 238.1 billion UAH, while revenue from all types of services accounted for 12.2%, or 188.9 billion UAH.
