2025 BGN to NZD Historical Review

YEARLY HIGH

1.0546 NZD

YEARLY LOW

0.9307 NZD

YEARLY AVERAGE

0.9928 NZD

2025 BGN to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the BGN to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on November 20, valuing the pair at 1.0546. Conversely, the yearly low was recorded on February 23, dropping to 0.9307.

This high-to-low spread represents a total annual volatility of 0.1239 NZD. From a start-to-finish perspective, comparing the January average rate of 0.9408 to the December average rate of 1.0348, the exchange rate registered a net change of 9.98% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 1.0546 was up 11.16% compared to the 2024 peak of 0.9488, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 BGN based on timing:

Yearly Peak High 5,273 NZD

2024 Average 4,574 NZD

Yearly Trough Low 4,653 NZD

Transaction Impact: A difference of 619.71 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

1.0552

0.9264

JanuMarcMayJulySeptNove

BGN to NZD Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 0.9627, compared to 1.0230 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0603 points.

H1 Avg (Jan–Jun) 0.9627

H2 Avg (Jul–Dec) 1.0230

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0488 NZD (High: 1.0139 / Low: 0.9651). On the other end, January was the most stable month, with a tight range of 0.0127 NZD (High: 0.9480 / Low: 0.9353).

April Spread (Volatile) ±0.0488

January Spread (Stable) ±0.0127

Growth Streaks & Declines

Trends

Between May and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0119 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.0119

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2025: 1.0445) against the same month in 2024 (average: 0.9198), the exchange rate shifted by +0.1247 (+13.56%).

2025 Avg (November) 1.0445

2024 Avg (November) 0.9198

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.9480	0.9353	0.9408
February	0.9483	0.9307	0.9371
March	0.9771	0.9470	0.9651
April	1.0139	0.9651	0.9836
May	0.9795	0.9636	0.9717
June	0.9891	0.9643	0.9779
July	1.0017	0.9880	0.9954
August	1.0223	0.9995	1.0090
September	1.0375	1.0039	1.0205
October	1.0439	1.0253	1.0337
November	1.0546	1.0313	1.0445
December	1.0430	1.0276	1.0348