2026 GHS to NGN Historical Review

YEARLY HIGH

137.6676 NGN

YEARLY LOW

115.1317 NGN

YEARLY AVERAGE

123.6950 NGN

2026 GHS to NGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the GHS to NGN exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 137.6676. Conversely, the yearly low was recorded on June 7, dropping to 115.1317.

This high-to-low spread represents a total annual volatility of 22.5359 NGN. From a start-to-finish perspective, comparing the January average rate of 131.8948 to the December average rate of 116.5635, the exchange rate registered a net change of -11.62% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 137.6676 was down 10.95% compared to the 2025 peak of 154.5957, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 688,338 NGN

2025 Average 616,462 NGN

Yearly Trough Low 575,658 NGN

Transaction Impact: A difference of 112,679.57 NGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

133.4279

115.0304

JanuMarcMayJuly

GHS to NGN 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 125.6073, compared to 117.9581 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 7.6492 points.

H1 Avg (Jan–Jun) 125.6073

H2 Avg (Jul–Dec) 117.9581

Volatility Range Comparison

Volatility

The most volatile month in 2026 was June, with a trading range of 12.9736 NGN (High: 128.1052 / Low: 115.1317). On the other end, August was the most stable month, with a tight range of 0.9333 NGN (High: 117.0604 / Low: 116.1271).

June Spread (Volatile) ±12.9736

August Spread (Stable) ±0.9333

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2026. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 7.6689 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -7.6689

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 131.8948) against the same month in 2025 (average: 103.8945), the exchange rate shifted by +28.0003 (+26.95%).

2026 Avg (January) 131.8948

2025 Avg (January) 103.8945

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	137.6676	126.6770	131.8948
February	127.6888	121.8213	124.2259
March	129.6843	124.2810	126.8678
April	125.5714	121.4914	123.2828
May	128.3836	122.8554	127.3368
June	128.1052	115.1317	120.0357
July	121.7186	116.7197	119.3527
August	117.0604	116.1271	116.5635