YEARLY HIGH
9.0080 VND
YEARLY LOW
8.3420 VND
YEARLY AVERAGE
8.7930 VND

2025 BIF to VND Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the BIF to VND exchange rate experienced significant fluctuation. The market reached its absolute peak on September 29, valuing the pair at 9.0080. Conversely, the yearly low was recorded on February 2, dropping to 8.3420.

This high-to-low spread represents a total annual volatility of 0.6660 VND. From a start-to-finish perspective, comparing the January average rate of 8.5758 to the December average rate of 8.8987, the exchange rate registered a net change of 3.77% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 9.0080 was up 1.17% compared to the 2024 peak of 8.9035, 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 45,040 VND
2024 Average 43,435 VND
Yearly Trough Low 41,710 VND
Transaction Impact: A difference of 3,329.93 VND purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

8.9671
8.5402
JanuMarcMayJulySeptNove

BIF to VND 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 8.6957, compared to 8.8904 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1947 points.

H1 Avg (Jan–Jun) 8.6957
H2 Avg (Jul–Dec) 8.8904

Volatility Range Comparison

Volatility

The most volatile month in 2025 was February, with a trading range of 0.3340 VND (High: 8.6760 / Low: 8.3420). On the other end, December was the most stable month, with a tight range of 0.0594 VND (High: 8.9243 / Low: 8.8650).

February Spread (Volatile) ±0.3340
December Spread (Stable) ±0.0594

Growth Streaks & Declines

Trends

Between January and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 10 straight months. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.0328 points.

Longest Streak 10 Mo.
Sharpest MoM Drop -0.0328

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2025: 8.8965) against the same month in 2024 (average: 8.5156), the exchange rate shifted by +0.3809 (+4.47%).

2025 Avg (September) 8.8965
2024 Avg (September) 8.5156

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 8.6786 8.4725 8.5758
February 8.6760 8.3420 8.6003
March 8.7571 8.5983 8.6517
April 8.8858 8.6211 8.7398
May 8.8724 8.7009 8.7932
June 8.8759 8.7329 8.8133
July 8.9408 8.7586 8.8279
August 8.9351 8.8008 8.8594
September 9.0080 8.8295 8.8965
October 8.9967 8.8258 8.9283
November 8.9928 8.8853 8.9315
December 8.9243 8.8650 8.8987