One-off equipment costs for the office.
Partnership programme · Platinum
Currency exchange franchise
From an idea to your own exchange office: premises, equipment and operating processes. Start with a clear budget.
Lviv example: two cashiers, including the advance tax payment.
Separate working liquidity: an indicative US$10,000.
Indicative budget as at 3 October 2026. The final estimate depends on the location, opening hours, equipment and contract terms.
Operating budget
Monthly costs
One office in Lviv · two cashiers · Ukrainian hryvnias
| Cost item | Amount, UAH |
|---|---|
| Gross salaries for two cashiers | 40 000–70 000 |
| Employer social contribution · 22% | 8 800–15 400 |
| Premises rent | 10 000–25 000 |
| Alarm monitoring and maintenance | 1 500–3 000 |
| Cash register and till software support | 500–1 000 |
| Electricity, internet and communications | 1 500–3 000 |
| Other operating costs | 2 000–5 000 |
| Total operating costs | 64 300–122 400 |
| Advance corporate income tax payment · €600 | 30 430 |
| Planned cash outgoings / month | 94 730–152 830 |
Salaries are shown before employee deductions. The employer social contribution uses the standard rate; personal income tax and the military levy are not added to gross salaries a second time.
The partnership fee is agreed separately and excluded from the total. Cash collection, insurance, on-site security and other company taxes are calculated separately.
Start-up budget
Opening costs
Equipment and installation · one-off · Ukrainian hryvnias
| What you need | Amount, UAH |
|---|---|
| Protective cashier enclosure | 80 000–150 000 |
| Safe | 25 000–45 000 |
| Computer and monitor | 8 000–15 000 |
| Banknote counter | 9 000–15 000 |
| Banknote detector | 4 000–10 000 |
| Printer | 6 000–10 000 |
| Alarm system and installation | 12 000–20 000 |
| CCTV system and installation | 12 000–25 000 |
| Total equipment costs | 156 000–290 000 |
Working liquidity — separate≈ 446 819 UAH
The equivalent of US$10,000 at the reference exchange rate. These funds support exchange transactions and are separate from equipment costs; the required amount is assessed individually.
Renovation, the rental deposit, initial cash register or software setup and an additional contingency are excluded from this total.
How the advance tax payment and exchange rate are treated
This example uses €600 per office in Lviv. The Tax Code specifies €700 for Kyiv, €600 for certain other settlements with populations above 50,000 and €200 for other locations, subject to the prescribed exceptions. The advance payment is credited towards corporate income tax and should not be added again as a separate tax in an annual calculation.
National Bank of Ukraine reference rates for 1 October 2026: EUR 50.7166 UAH; USD 44.6819 UAH. €600 = 30,429.96 UAH. Table amounts are rounded to the nearest hryvnia. The applicable tax treatment and allocation of payments between the parties depend on the operating model and contract. Tax Code, paragraph 141.13 · NBU exchange rates
Office economics
How to calculate the result
An illustrative calculation. Actual results depend on transaction volumes and the exchange spread.
Currency bought and then sold per day$10 000
×Illustrative exchange spread0,55 UAH
=Daily gross margin5 500 UAH
Gross margin before costs.
The balance before the partnership fee and other excluded payments.
Purchase and sale volumes are not added together: the spread is applied once to currency bought and resold. At half this volume, the gross margin is 82,500 UAH, which is 12,230–70,330 UAH below planned outgoings. This is neither net profit nor a guarantee of payback.
From planning to launch
How we open an office
Location and terms
We discuss the city, premises, opening hours, expected transaction volumes and partnership terms, then prepare an individual estimate.
Preparing the office
We select the protective enclosure, safe, cash-handling equipment and security systems, and agree the documentation and operating procedures.
Launch and ongoing support
We set up the software, prepare staff and help organise the office’s operations and ongoing support.
What does the partnership programme provide?
Platinum has operated since 2010. We help prepare the office, select equipment, set up software and organise operations. The services, responsibilities of each party and monthly partnership fee are defined in the contract.
What are the premises and equipment requirements?
We assess the premises, layout, cashier protection, cash storage and security systems. We select the detector, banknote counter, safe, CCTV and alarm system for the individual office and applicable requirements. Prices depend on the model and specification.
When will the opening costs be recovered?
A payback period can be estimated once the budget is agreed and actual transaction volumes, margins and all costs are established. Working capital is accounted for separately from equipment costs. We do not promise a fixed payback period.
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