So there’s this great website which shows the USD to UAH “commercial” (read “black market”) rate: http://kurs.com.ua/ua/lvov.
So the official bank rate is 16.4 and the “commercial” rate is 20.8. A pathetic 79% of the actual rate.
But it gets worse. When I use Ukrainian ATM to draw from my American Bank account, the exchange rate is only 15.8! 76% of the actual rate.