Is cash still widely used?
Yes. Despite Ukraine having had outstanding digital payment adoption (Privat24 and Monobank apps were world-class), the ongoing war has made cash essential as a backup. Power outages and connectivity disruptions mean card payments can fail unexpectedly. Always carry hryvnia cash.
ATMs and withdrawing cash
ATMs are available in Kyiv and government-controlled cities. PrivatBank machines are the most widespread.
- Fees are around 50 UAH per withdrawal for foreign cards
- Availability varies significantly by region and security situation
- Check current travel advisories before any travel to Ukraine
Card acceptance
Good in Kyiv and stable western cities like Lviv. Visa and Mastercard work at most businesses. However, power and connectivity issues can disrupt card payments unpredictably.
Tips for travelers
- Check government travel advisories before any visit — most Western governments advise against travel
- Always carry hryvnia cash as a backup for power outage situations
- Lviv in western Ukraine has better stability and infrastructure
- Ukrainian resilience and hospitality remain remarkable despite the war