YEARLY HIGH
0.0323 GBP
YEARLY LOW
0.0278 GBP
YEARLY AVERAGE
0.0292 GBP

2025 HNL to GBP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HNL to GBP exchange rate experienced significant fluctuation. The market reached its absolute peak on January 18, valuing the pair at 0.0323. Conversely, the yearly low was recorded on July 1, dropping to 0.0278.

This high-to-low spread represents a total annual volatility of 0.0045 GBP. From a start-to-finish perspective, comparing the January average rate of 0.0318 to the December average rate of 0.0284, the exchange rate registered a net change of -10.77% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.0323 was down 1.59% compared to the 2024 peak of 0.0328, 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 161 GBP
2024 Average 157 GBP
Yearly Trough Low 139 GBP
Transaction Impact: A difference of 22.58 GBP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.0322
0.0279
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 0.0300, compared to 0.0284 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0015 points.

H1 Avg (Jan–Jun) 0.0300
H2 Avg (Jul–Dec) 0.0284

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0018 GBP (High: 0.0307 / Low: 0.0288). On the other end, November was the most stable month, with a tight range of 0.0005 GBP (High: 0.0292 / Low: 0.0287).

April Spread (Volatile) ±0.0018
November Spread (Stable) ±0.0005

Growth Streaks & Declines

Trends

Between September and November, 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 February and March, when the average rate fell by 0.0009 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0009

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 0.0318) against the same month in 2024 (average: 0.0319), the exchange rate shifted by -0.0001 (-0.24%).

2025 Avg (January) 0.0318
2024 Avg (January) 0.0319

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 0.0323 0.0313 0.0318
February 0.0316 0.0307 0.0312
March 0.0309 0.0299 0.0302
April 0.0307 0.0288 0.0295
May 0.0294 0.0283 0.0288
June 0.0285 0.0278 0.0282
July 0.0288 0.0278 0.0282
August 0.0290 0.0279 0.0283
September 0.0286 0.0280 0.0283
October 0.0289 0.0283 0.0285
November 0.0292 0.0287 0.0289
December 0.0288 0.0280 0.0284