2026 BIF to GHS Historical Review

YEARLY HIGH

0.0040 GHS

YEARLY LOW

0.0035 GHS

YEARLY AVERAGE

0.0037 GHS

2026 BIF to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the BIF to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on June 8, valuing the pair at 0.0040. Conversely, the yearly low was recorded on January 2, dropping to 0.0035.

This high-to-low spread represents a total annual volatility of 0.0004 GHS. From a start-to-finish perspective, comparing the January average rate of 0.0036 to the December average rate of 0.0039, the exchange rate registered a net change of 7.58% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.0040 was down 25.61% compared to the 2025 peak of 0.0053, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 20 GHS

2025 Average 21 GHS

Yearly Trough Low 18 GHS

Transaction Impact: A difference of 2.12 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.0039

0.0036

JanuMarcMayJuly

BIF to GHS 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 0.0037, compared to 0.0039 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0002 points.

H1 Avg (Jan–Jun) 0.0037

H2 Avg (Jul–Dec) 0.0039

Volatility Range Comparison

Volatility

The most volatile month in 2026 was June, with a trading range of 0.0004 GHS (High: 0.0040 / Low: 0.0036). On the other end, April was the most stable month, with a tight range of 0.0000 GHS (High: 0.0037 / Low: 0.0037).

June Spread (Volatile) ±0.0004

April Spread (Stable) ±0.0000

Growth Streaks & Declines

Trends

Between May and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0001 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0001

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2026: 0.0038) against the same month in 2025 (average: 0.0035), the exchange rate shifted by +0.0003 (+9.88%).

2026 Avg (June) 0.0038

2025 Avg (June) 0.0035

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0037	0.0035	0.0036
February	0.0037	0.0036	0.0037
March	0.0038	0.0036	0.0037
April	0.0037	0.0037	0.0037
May	0.0038	0.0036	0.0036
June	0.0040	0.0036	0.0038
July	0.0039	0.0038	0.0039
August	0.0039	0.0039	0.0039