2026 HNL to NZD Historical Review

YEARLY HIGH

0.0664 NZD

YEARLY LOW

0.0624 NZD

YEARLY AVERAGE

0.0641 NZD

2026 HNL to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HNL to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on April 5, valuing the pair at 0.0664. Conversely, the yearly low was recorded on January 29, dropping to 0.0624.

This high-to-low spread represents a total annual volatility of 0.0040 NZD. From a start-to-finish perspective, comparing the January average rate of 0.0649 to the December average rate of 0.0642, the exchange rate registered a net change of -1.09% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.0664 was down 6.26% compared to the 2025 peak of 0.0708, 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 332 NZD

2025 Average 331 NZD

Yearly Trough Low 312 NZD

Transaction Impact: A difference of 19.90 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.0651

0.0627

JanuFebrMarcApriMayJune

HNL 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 0.0641, compared to 0.0000 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0641 points.

H1 Avg (Jan–Jun) 0.0641

H2 Avg (Jul–Dec) 0.0000

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.0037 NZD (High: 0.0661 / Low: 0.0624). On the other end, May was the most stable month, with a tight range of 0.0008 NZD (High: 0.0637 / Low: 0.0629).

January Spread (Volatile) ±0.0037

May Spread (Stable) ±0.0008

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 0.0020 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0020

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2026: 0.0644) against the same month in 2025 (average: 0.0665), the exchange rate shifted by -0.0020 (-3.06%).

2026 Avg (April) 0.0644

2025 Avg (April) 0.0665

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0661	0.0624	0.0649
February	0.0637	0.0624	0.0629
March	0.0660	0.0634	0.0646
April	0.0664	0.0635	0.0644
May	0.0637	0.0629	0.0633
June	0.0647	0.0631	0.0642