Bitcoin for hryvnia: how to sell and buy BTC through an exchanger

What is Bitcoin, and why does its hryvnia rate move so fast?

Bitcoin (BTC) is the first cryptocurrency, and it runs on its own network. Unlike a stablecoin, it isn’t pegged to the dollar, so the hryvnia rate exchangers quote for Bitcoin follows the market and can shift within minutes.

When you sell, the amount you see at the start and the amount you are paid may differ if the rate is floating. Fixed or floating is each exchanger’s own term, so find out which one applies before you send anything.

The block above this article shows the market price and how far exchanger payouts sit from it; more detail is on the Bitcoin to hryvnia rate page.

What do Bitcoin addresses look like, and what sets the fee?

Bitcoin addresses start with “1”, “3” or “bc1”. The network fee is paid in BTC, and its size depends on how busy the network is: the more congested it gets, the more a transfer costs.

The table compares Bitcoin with Litecoin, another coin on its own network, and with USDT TRC20, a token on the network most often used for hryvnia swaps.

Asset	Network	Address starts with	Fee paid in
Bitcoin (BTC)	Bitcoin	“1”, “3” or “bc1”	BTC, varies with network load
Litecoin (LTC)	Litecoin	“L”, “M” or “ltc1”	LTC
USDT TRC20	TRON	“T”	TRX or TRON “energy”

“bc1” and “ltc1” look alike but belong to different networks. Copy a BTC deposit address only from a BTC order, never from memory or an old swap.

Why doesn’t a Bitcoin payout arrive instantly?

The exchanger pays hryvnia only after the required network confirmations, and on Bitcoin these can take longer than on TRON or Solana. If the sale is urgent, plan for that wait in advance.

The wait affects the amount, too: with a floating rate, the market has time to move while the transfer collects confirmations.

With Bitcoin, time matters as much as the rate: the longer a transfer waits for confirmations, the more it matters whether your order’s rate is fixed or floating.

How do you sell Bitcoin for hryvnia to a card?

Pick the BTC direction for your bank, create an order on the exchanger’s site, send BTC to the address in that order and wait for network confirmations. The exchanger then pays hryvnia to your card or account.

Step by step:

1. Open a direction page — say, sell Bitcoin to Privat24 or Bitcoin to Monobank — and enter your amount in BTC.
2. Compare the amount you would receive, limits and reserve, then go to the exchanger.
3. Enter your card number and a contact in the order, and check whether the rate is fixed or floating.
4. Send the coins to the exact address in the order and keep the transaction hash.
5. Wait for confirmations and the payout, with the order number at hand until the money lands.

Other banks have their own directions, such as Bitcoin to an Oschadbank card; if yours isn’t listed, try BTC to any UAH card. Some exchangers ask for AML/KYC checks or card verification, or require the cardholder name to match yours.

Buying works in reverse: you pay the order by card or transfer, and the exchanger sends Bitcoin to the address you entered. Make sure it is your own wallet’s address.

What should you check so you don’t lose Bitcoin in a swap?

Verify the address, the amount and the order terms before you send: a Bitcoin transfer can’t be reversed, and a wrong address can cost the whole sum.

Things to check in your wallet and in the order:

• the address is copied in full and starts the same way as in the order;
• the BTC amount sits within the exchanger’s minimum and maximum;
• the wallet holds enough for both the transfer and the network fee;
• you know whether the rate is fixed or floating;
• the payout card belongs to the bank chosen in the direction.

Keep the order number and transaction hash: support can trace a delayed payout faster with both.

How do you choose an exchanger for Bitcoin on OnExchanger?

Compare the hryvnia you get for your exact amount of Bitcoin, and keep limits and reserve in mind. OnExchanger.com is an exchanger monitor: rates arrive automatically from each exchanger’s public XML rate file, and only fresh offers stay in the table.

The monitor holds no funds and runs no swaps, so the terms and payout are down to the exchanger. OnExchanger may earn a partner commission when you move to an exchanger, but you pay the exchanger’s rate with nothing added on top. Browse exchangers tracked by OnExchanger, or read the guide on withdrawing crypto to a bank card.