YEARLY HIGH
4.6314 PLN
YEARLY LOW
4.2231 PLN
YEARLY AVERAGE
4.4444 PLN

2020 EUR to PLN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the EUR to PLN exchange rate experienced significant fluctuation. The market reached its absolute peak on October 28, valuing the pair at 4.6314. Conversely, the yearly low was recorded on January 14, dropping to 4.2231.

This high-to-low spread represents a total annual volatility of 0.4083 PLN. From a start-to-finish perspective, comparing the January average rate of 4.2481 to the December average rate of 4.4771, the exchange rate registered a net change of 5.39% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 4.6314 was up 4.94% compared to the 2019 peak of 4.4132, 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 23,157 PLN
2019 Average 21,490 PLN
Yearly Trough Low 21,115 PLN
Transaction Impact: A difference of 2,041.27 PLN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

4.5757
4.2183
JanuMarcMayJulySeptNove

EUR to PLN 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 4.4157, compared to 4.4731 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0574 points.

H1 Avg (Jan–Jun) 4.4157
H2 Avg (Jul–Dec) 4.4731

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.3137 PLN (High: 4.6094 / Low: 4.2957). On the other end, August was the most stable month, with a tight range of 0.0472 PLN (High: 4.4245 / Low: 4.3773).

March Spread (Volatile) ±0.3137
August Spread (Stable) ±0.0472

Growth Streaks & Declines

Trends

Between January and April, 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 May and June, when the average rate fell by 0.0900 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0900

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2020: 4.5374) against the same month in 2019 (average: 4.2977), the exchange rate shifted by +0.2397 (+5.58%).

2020 Avg (October) 4.5374
2019 Avg (October) 4.2977

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.2970 4.2231 4.2481
February 4.3335 4.2463 4.2800
March 4.6094 4.2957 4.4398
April 4.5986 4.5190 4.5459
May 4.6192 4.4309 4.5351
June 4.4747 4.3845 4.4452
July 4.4913 4.3919 4.4497
August 4.4245 4.3773 4.4030
September 4.5887 4.3886 4.4757
October 4.6314 4.4573 4.5374
November 4.6127 4.4646 4.4954
December 4.5809 4.4272 4.4771