2025 HRK to SGD Historical Review

YEARLY HIGH

0.2013 SGD

YEARLY LOW

0.1854 SGD

YEARLY AVERAGE

0.1959 SGD

2025 HRK to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 13, valuing the pair at 0.2013. Conversely, the yearly low was recorded on February 21, dropping to 0.1854.

This high-to-low spread represents a total annual volatility of 0.0160 SGD. From a start-to-finish perspective, comparing the January average rate of 0.1870 to the December average rate of 0.2007, the exchange rate registered a net change of 7.32% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.2013 was up 3.31% compared to the 2024 peak of 0.1949, 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 1,007 SGD

2024 Average 959 SGD

Yearly Trough Low 927 SGD

Transaction Impact: A difference of 79.84 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.2022

0.1846

JanuMarcMayJulySeptNove

HRK to SGD 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 0.1920, compared to 0.1997 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0077 points.

H1 Avg (Jan–Jun) 0.1920

H2 Avg (Jul–Dec) 0.1997

Volatility Range Comparison

Volatility

The most volatile month in 2025 was March, with a trading range of 0.0072 SGD (High: 0.1933 / Low: 0.1861). On the other end, February was the most stable month, with a tight range of 0.0013 SGD (High: 0.1867 / Low: 0.1854).

March Spread (Volatile) ±0.0072

February Spread (Stable) ±0.0013

Growth Streaks & Declines

Trends

Between May and October, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0036 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0036

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 0.2007) against the same month in 2024 (average: 0.1878), the exchange rate shifted by +0.0129 (+6.89%).

2025 Avg (December) 0.2007

2024 Avg (December) 0.1878

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1879	0.1863	0.1870
February	0.1867	0.1854	0.1861
March	0.1933	0.1861	0.1915
April	0.1994	0.1926	0.1974
May	0.1965	0.1923	0.1938
June	0.1988	0.1944	0.1964
July	0.1999	0.1966	0.1987
August	0.1993	0.1978	0.1988
September	0.2012	0.1990	0.2002
October	0.2010	0.1990	0.2002
November	0.2008	0.1989	0.1998
December	0.2013	0.1997	0.2007