YEARLY HIGH
4.7126 PLN
YEARLY LOW
4.4561 PLN
YEARLY AVERAGE
4.5647 PLN

2021 EUR to PLN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the EUR to PLN exchange rate experienced significant fluctuation. The market reached its absolute peak on November 26, valuing the pair at 4.7126. Conversely, the yearly low was recorded on June 6, dropping to 4.4561.

This high-to-low spread represents a total annual volatility of 0.2565 PLN. From a start-to-finish perspective, comparing the January average rate of 4.5352 to the December average rate of 4.6149, the exchange rate registered a net change of 1.76% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 4.7126 was up 1.75% compared to the 2020 peak of 4.6314, 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 23,563 PLN
2020 Average 22,224 PLN
Yearly Trough Low 22,281 PLN
Transaction Impact: A difference of 1,282.38 PLN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

4.6660
4.4806
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 4.5370, compared to 4.5924 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0554 points.

H1 Avg (Jan–Jun) 4.5370
H2 Avg (Jul–Dec) 4.5924

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.1335 PLN (High: 4.6662 / Low: 4.5327). On the other end, February was the most stable month, with a tight range of 0.0464 PLN (High: 4.5214 / Low: 4.4750).

March Spread (Volatile) ±0.1335
February Spread (Stable) ±0.0464

Growth Streaks & Declines

Trends

Between June and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0403 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0403

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 4.6506) against the same month in 2020 (average: 4.4954), the exchange rate shifted by +0.1552 (+3.45%).

2021 Avg (November) 4.6506
2020 Avg (November) 4.4954

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.5631 4.5100 4.5352
February 4.5214 4.4750 4.4961
March 4.6662 4.5327 4.6019
April 4.6038 4.5309 4.5617
May 4.5760 4.4790 4.5237
June 4.5580 4.4561 4.5034
July 4.5976 4.5020 4.5602
August 4.5832 4.5234 4.5684
September 4.6364 4.5062 4.5682
October 4.6244 4.5490 4.5922
November 4.7126 4.5835 4.6506
December 4.6389 4.5832 4.6149