2021 HNL to GBP Historical Review

YEARLY HIGH

0.0313 GBP

YEARLY LOW

0.0291 GBP

YEARLY AVERAGE

0.0302 GBP

2021 HNL to GBP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HNL to GBP exchange rate experienced significant fluctuation. The market reached its absolute peak on December 8, valuing the pair at 0.0313. Conversely, the yearly low was recorded on February 24, dropping to 0.0291.

This high-to-low spread represents a total annual volatility of 0.0023 GBP. From a start-to-finish perspective, comparing the January average rate of 0.0302 to the December average rate of 0.0309, the exchange rate registered a net change of 2.35% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0313 was down 10.35% compared to the 2020 peak of 0.0349, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 157 GBP

2020 Average 158 GBP

Yearly Trough Low 145 GBP

Transaction Impact: A difference of 11.30 GBP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0311

0.0293

JanuMarcMayJulySeptNove

HNL to GBP 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 0.0298, compared to 0.0305 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0007 points.

H1 Avg (Jan–Jun) 0.0298

H2 Avg (Jul–Dec) 0.0305

Volatility Range Comparison

Volatility

The most volatile month in 2021 was February, with a trading range of 0.0012 GBP (High: 0.0302 / Low: 0.0291). On the other end, October was the most stable month, with a tight range of 0.0006 GBP (High: 0.0306 / Low: 0.0299).

February Spread (Volatile) ±0.0012

October Spread (Stable) ±0.0006

Growth Streaks & Declines

Trends

Between May and August, 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 0.0005 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0005

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 0.0309) against the same month in 2020 (average: 0.0307), the exchange rate shifted by +0.0003 (+0.88%).

2021 Avg (December) 0.0309

2020 Avg (December) 0.0307

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0306	0.0295	0.0302
February	0.0302	0.0291	0.0297
March	0.0303	0.0295	0.0298
April	0.0304	0.0297	0.0300
May	0.0300	0.0292	0.0295
June	0.0302	0.0293	0.0297
July	0.0308	0.0300	0.0303
August	0.0310	0.0300	0.0305
September	0.0309	0.0299	0.0302
October	0.0306	0.0299	0.0302
November	0.0312	0.0302	0.0308
December	0.0313	0.0303	0.0309