2026 HRK to NZD Historical Review

YEARLY HIGH

0.2708 NZD

YEARLY LOW

0.2585 NZD

YEARLY AVERAGE

0.2633 NZD

2026 HRK to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HRK to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 0.2708. Conversely, the yearly low was recorded on May 31, dropping to 0.2585.

This high-to-low spread represents a total annual volatility of 0.0123 NZD. From a start-to-finish perspective, comparing the January average rate of 0.2668 to the December average rate of 0.2630, the exchange rate registered a net change of -1.40% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.2708 was down 1.09% compared to the 2025 peak of 0.2738, 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 1,354 NZD

2025 Average 1,289 NZD

Yearly Trough Low 1,293 NZD

Transaction Impact: A difference of 61.66 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.2674

0.2598

JanuFebrMarcApriMayJune

HRK 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 0.2633, 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 0.2633 points.

H1 Avg (Jan–Jun) 0.2633

H2 Avg (Jul–Dec) 0.0000

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.0096 NZD (High: 0.2708 / Low: 0.2612). On the other end, February was the most stable month, with a tight range of 0.0037 NZD (High: 0.2632 / Low: 0.2596).

January Spread (Volatile) ±0.0096

February Spread (Stable) ±0.0037

Growth Streaks & Declines

Trends

Between February and April, 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 January and February, when the average rate fell by 0.0055 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0055

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 0.2668) against the same month in 2025 (average: 0.2441), the exchange rate shifted by +0.0227 (+9.30%).

2026 Avg (January) 0.2668

2025 Avg (January) 0.2441

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2708	0.2612	0.2668
February	0.2632	0.2596	0.2612
March	0.2668	0.2599	0.2627
April	0.2687	0.2631	0.2659
May	0.2638	0.2585	0.2605
June	0.2645	0.2590	0.2630