2021 HRK to EUR Historical Review

YEARLY HIGH

0.1338 EUR

YEARLY LOW

0.1314 EUR

YEARLY AVERAGE

0.1328 EUR

2021 HRK to EUR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to EUR exchange rate experienced significant fluctuation. The market reached its absolute peak on June 17, valuing the pair at 0.1338. Conversely, the yearly low was recorded on April 5, dropping to 0.1314.

This high-to-low spread represents a total annual volatility of 0.0024 EUR. From a start-to-finish perspective, comparing the January average rate of 0.1323 to the December average rate of 0.1329, the exchange rate registered a net change of 0.51% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.1338 was down 0.53% compared to the 2020 peak of 0.1345, 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 669 EUR

2020 Average 663 EUR

Yearly Trough Low 657 EUR

Transaction Impact: A difference of 11.86 EUR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.1336

0.1318

JanuMarcMayJulySeptNove

HRK to EUR 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 0.1324, compared to 0.1332 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0008 points.

H1 Avg (Jan–Jun) 0.1324

H2 Avg (Jul–Dec) 0.1332

Volatility Range Comparison

Volatility

The most volatile month in 2021 was January, with a trading range of 0.0015 EUR (High: 0.1334 / Low: 0.1319). On the other end, August was the most stable month, with a tight range of 0.0002 EUR (High: 0.1335 / Low: 0.1333).

January Spread (Volatile) ±0.0015

August Spread (Stable) ±0.0002

Growth Streaks & Declines

Trends

Between March and June, 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 September and October, when the average rate fell by 0.0003 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0003

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2021: 0.1334) against the same month in 2020 (average: 0.1321), the exchange rate shifted by +0.0013 (+0.95%).

2021 Avg (June) 0.1334

2020 Avg (June) 0.1321

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1334	0.1319	0.1323
February	0.1323	0.1319	0.1320
March	0.1321	0.1315	0.1319
April	0.1325	0.1314	0.1321
May	0.1334	0.1324	0.1329
June	0.1338	0.1332	0.1334
July	0.1336	0.1327	0.1333
August	0.1335	0.1333	0.1334
September	0.1337	0.1331	0.1334
October	0.1336	0.1328	0.1331
November	0.1333	0.1325	0.1330
December	0.1333	0.1324	0.1329