Goal#
Transfer GBP to UAH on a Monobank card with minimal losses, and preferably quickly.
Exchange rate#
As of Sunday, October 12, 2025, 12:00:
| Wise | ||
|---|---|---|
| GBP → EUR | 1.1494 | 1.1490 |
| GBP → UAH | 55.2353 | 55.1079 |
| EUR → UAH | 48.19 | 47.9408 |
Comparison table#
| Method | Rate | Fee | Composite exchange rate | Speed | Notes |
|---|---|---|---|---|---|
| Apple Pay | 55.1572 | 1.768% | 54.182 🔴 | Instant | Fixed fee |
| Revolut (EUR SEPA) | 55.05147 | 1% | 54.500 🟡 | 45 min | Weekend fee |
| Revolut (EUR SEPA) | 55.05147 | 0% | 55.052 🟢 | 45 min | No fee on weekdays |
| Wise (IBAN)* | 55.1079 | 1.52% | 54.270 🔴 | 25 min | Fee for £100 |
| Wise (IBAN)* | 55.1079 | 0.796% | 54.669 🟡 | 25 min | Fee for £500 |
* – Wise allows a maximum of ₴30k = £543 per transfer.
Details about each method#
Via Chase - Apple Pay#
Requested top up with 5500.00 UAH
Chase charged 5599.00 UAH (exactly +1.8% by Apply Pay)
- Reverse fee would be 0.01768173 (= 1 - 1 / 1.018) ~= 1.8% anyway
Chase charged £101.51 (converted at 55.1572)
Arrived instantly.
Via Revolut - Mono:#
Revolut 100 GBP to EUR:
- rate 100 gbp = 114.93 eur
- Weekend fee 1% = 1.15 eur
- Received €113.78
- Instant
Revolut eur to Mono eur:
- Sent €113.78
- Sent Sun 11:54
- Received 12:39
Mono Eur to Mono UAH:
- Rate 47.90
- No fees
- Instant
- €113.78 = 5450.06
Via Wise - Mono UAH (via bank transfer):#
Sending £100
- NOTE: currently can only send no more than 30k UAH ~= £543
Fee £1.52
- NOTE: the fee is progressively lower the more you send: £100 - £1.52, £500 - £3.98, £900 - £6.44
Exchange 55.1079
Receiving (100-1.52)*55.1079 = 5,427.026
Sent Sun 12:13
Received 12:36