YEARLY HIGH
3.3002 HRK
YEARLY LOW
3.1203 HRK
YEARLY AVERAGE
3.2276 HRK

2026 BZD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the BZD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on June 25, valuing the pair at 3.3002. Conversely, the yearly low was recorded on January 27, dropping to 3.1203.

This high-to-low spread represents a total annual volatility of 0.1798 HRK. From a start-to-finish perspective, comparing the January average rate of 3.1937 to the December average rate of 3.2579, the exchange rate registered a net change of 2.01% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 3.3002 was down 9.95% compared to the 2025 peak of 3.6649, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 16,501 HRK
2025 Average 16,618 HRK
Yearly Trough Low 15,602 HRK
Transaction Impact: A difference of 899.13 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

3.2923
3.1588
JanuMarcMayJuly

BZD 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 3.2136, compared to 3.2695 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0559 points.

H1 Avg (Jan–Jun) 3.2136
H2 Avg (Jul–Dec) 3.2695

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.1097 HRK (High: 3.2301 / Low: 3.1203). On the other end, August was the most stable month, with a tight range of 0.0018 HRK (High: 3.2587 / Low: 3.2569).

January Spread (Volatile) ±0.1097
August Spread (Stable) ±0.0018

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 0.0380 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0380

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2026: 3.2552) against the same month in 2025 (average: 3.2531), the exchange rate shifted by +0.0021 (+0.07%).

2026 Avg (June) 3.2552
2025 Avg (June) 3.2531

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.2301 3.1203 3.1937
February 3.1868 3.1365 3.1699
March 3.2818 3.1907 3.2437
April 3.2621 3.1730 3.2057
May 3.2220 3.1955 3.2137
June 3.3002 3.2170 3.2552
July 3.2938 3.2676 3.2811
August 3.2587 3.2569 3.2579