YEARLY HIGH
5.1577 HRK
YEARLY LOW
4.9551 HRK
YEARLY AVERAGE
5.0678 HRK

2026 BND to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the BND to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 14, valuing the pair at 5.1577. Conversely, the yearly low was recorded on January 27, dropping to 4.9551.

This high-to-low spread represents a total annual volatility of 0.2026 HRK. From a start-to-finish perspective, comparing the January average rate of 5.0136 to the December average rate of 5.1002, the exchange rate registered a net change of 1.73% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 5.1577 was down 4.57% compared to the 2025 peak of 5.4050, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 25,789 HRK
2025 Average 25,535 HRK
Yearly Trough Low 24,776 HRK
Transaction Impact: A difference of 1,012.99 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

5.1186
5.0041
JanuMarcMayJuly

BND to HRK 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 5.0555, compared to 5.1046 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0491 points.

H1 Avg (Jan–Jun) 5.0555
H2 Avg (Jul–Dec) 5.1046

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 0.1117 HRK (High: 5.1577 / Low: 5.0461). On the other end, August was the most stable month, with a tight range of 0.0195 HRK (High: 5.1082 / Low: 5.0887).

March Spread (Volatile) ±0.1117
August Spread (Stable) ±0.0195

Growth Streaks & Declines

Trends

Between April and July, 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 March and April, when the average rate fell by 0.0501 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0501

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2026: 5.0986) against the same month in 2025 (average: 5.2245), the exchange rate shifted by -0.1259 (-2.41%).

2026 Avg (March) 5.0986
2025 Avg (March) 5.2245

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 5.0466 4.9551 5.0136
February 5.0584 4.9809 5.0300
March 5.1577 5.0461 5.0986
April 5.0937 5.0161 5.0485
May 5.0730 5.0381 5.0573
June 5.1129 5.0567 5.0851
July 5.1319 5.0800 5.1090
August 5.1082 5.0887 5.1002