YEARLY HIGH
7.6105 HRK
YEARLY LOW
7.4755 HRK
YEARLY AVERAGE
7.5294 HRK

2021 EUR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the EUR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on April 5, valuing the pair at 7.6105. Conversely, the yearly low was recorded on June 17, dropping to 7.4755.

This high-to-low spread represents a total annual volatility of 0.1350 HRK. From a start-to-finish perspective, comparing the January average rate of 7.5608 to the December average rate of 7.5223, the exchange rate registered a net change of -0.51% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 7.6105 was down 0.86% compared to the 2020 peak of 7.6767, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 38,053 HRK
2020 Average 37,702 HRK
Yearly Trough Low 37,378 HRK
Transaction Impact: A difference of 675.03 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

7.5888
7.4863
JanuMarcMayJulySeptNove

EUR 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 7.5509, compared to 7.5079 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0430 points.

H1 Avg (Jan–Jun) 7.5509
H2 Avg (Jul–Dec) 7.5079

Volatility Range Comparison

Volatility

The most volatile month in 2021 was January, with a trading range of 0.0841 HRK (High: 7.5828 / Low: 7.4987). On the other end, August was the most stable month, with a tight range of 0.0138 HRK (High: 7.5030 / Low: 7.4892).

January Spread (Volatile) ±0.0841
August Spread (Stable) ±0.0138

Growth Streaks & Declines

Trends

Between September and December, 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 0.0467 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0467

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2021: 7.5699) against the same month in 2020 (average: 7.5925), the exchange rate shifted by -0.0226 (-0.30%).

2021 Avg (April) 7.5699
2020 Avg (April) 7.5925

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 7.5828 7.4987 7.5608
February 7.5840 7.5573 7.5735
March 7.6023 7.5699 7.5803
April 7.6105 7.5470 7.5699
May 7.5504 7.4985 7.5232
June 7.5095 7.4755 7.4977
July 7.5377 7.4835 7.5033
August 7.5030 7.4892 7.4964
September 7.5117 7.4784 7.4949
October 7.5292 7.4835 7.5114
November 7.5481 7.5032 7.5193
December 7.5532 7.5024 7.5223