2025 HRK to CHF Historical Review

YEARLY HIGH

0.1280 CHF

YEARLY LOW

0.1224 CHF

YEARLY AVERAGE

0.1243 CHF

2025 HRK to CHF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to CHF exchange rate experienced significant fluctuation. The market reached its absolute peak on March 11, valuing the pair at 0.1280. Conversely, the yearly low was recorded on November 13, dropping to 0.1224.

This high-to-low spread represents a total annual volatility of 0.0055 CHF. From a start-to-finish perspective, comparing the January average rate of 0.1250 to the December average rate of 0.1238, the exchange rate registered a net change of -0.93% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.1280 was down 2.97% compared to the 2024 peak of 0.1319, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 640 CHF

2024 Average 632 CHF

Yearly Trough Low 612 CHF

Transaction Impact: A difference of 27.67 CHF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.1270

0.1229

JanuMarcMayJulySeptNove

HRK to CHF 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 0.1249, compared to 0.1238 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0011 points.

H1 Avg (Jan–Jun) 0.1249

H2 Avg (Jul–Dec) 0.1238

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0044 CHF (High: 0.1268 / Low: 0.1224). On the other end, September was the most stable month, with a tight range of 0.0008 CHF (High: 0.1246 / Low: 0.1237).

April Spread (Volatile) ±0.0044

September Spread (Stable) ±0.0008

Growth Streaks & Declines

Trends

Between October and December, 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 March and April, when the average rate fell by 0.0025 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0025

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2025: 0.1267) against the same month in 2024 (average: 0.1282), the exchange rate shifted by -0.0015 (-1.17%).

2025 Avg (March) 0.1267

2024 Avg (March) 0.1282

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1262	0.1243	0.1250
February	0.1260	0.1242	0.1249
March	0.1280	0.1244	0.1267
April	0.1268	0.1224	0.1242
May	0.1249	0.1235	0.1241
June	0.1251	0.1239	0.1245
July	0.1242	0.1234	0.1238
August	0.1253	0.1236	0.1246
September	0.1246	0.1237	0.1241
October	0.1241	0.1225	0.1232
November	0.1240	0.1224	0.1233
December	0.1246	0.1232	0.1238