2025 GHS to NZD Historical Review

YEARLY HIGH

0.1654 NZD

YEARLY LOW

0.1078 NZD

YEARLY AVERAGE

0.1391 NZD

2025 GHS to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the GHS to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 31, valuing the pair at 0.1654. Conversely, the yearly low was recorded on April 21, dropping to 0.1078.

This high-to-low spread represents a total annual volatility of 0.0576 NZD. From a start-to-finish perspective, comparing the January average rate of 0.1190 to the December average rate of 0.1524, the exchange rate registered a net change of 28.10% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.1654 was up 21.03% compared to the 2024 peak of 0.1367, 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 827 NZD

2024 Average 576 NZD

Yearly Trough Low 539 NZD

Transaction Impact: A difference of 288.10 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.1663

0.1063

JanuMarcMayJulySeptNove

GHS to NZD 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 0.1240, compared to 0.1542 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0302 points.

H1 Avg (Jan–Jun) 0.1240

H2 Avg (Jul–Dec) 0.1542

Volatility Range Comparison

Volatility

The most volatile month in 2025 was May, with a trading range of 0.0507 NZD (High: 0.1593 / Low: 0.1086). On the other end, July was the most stable month, with a tight range of 0.0034 NZD (High: 0.1618 / Low: 0.1584).

May Spread (Volatile) ±0.0507

July Spread (Stable) ±0.0034

Growth Streaks & Declines

Trends

Between April and June, 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 August and September, when the average rate fell by 0.0124 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0124

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 0.1524) against the same month in 2024 (average: 0.1179), the exchange rate shifted by +0.0345 (+29.24%).

2025 Avg (December) 0.1524

2024 Avg (December) 0.1179

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1219	0.1154	0.1190
February	0.1161	0.1117	0.1138
March	0.1153	0.1108	0.1128
April	0.1168	0.1078	0.1113
May	0.1593	0.1086	0.1259
June	0.1630	0.1586	0.1613
July	0.1618	0.1584	0.1601
August	0.1630	0.1519	0.1572
September	0.1628	0.1364	0.1448
October	0.1627	0.1359	0.1503
November	0.1628	0.1542	0.1603
December	0.1654	0.1490	0.1524