YEARLY HIGH
6.6144 UAH
YEARLY LOW
5.6811 UAH
YEARLY AVERAGE
6.2514 UAH

2025 HRK to UAH Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to UAH exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 6.6144. Conversely, the yearly low was recorded on February 3, dropping to 5.6811.

This high-to-low spread represents a total annual volatility of 0.9333 UAH. From a start-to-finish perspective, comparing the January average rate of 5.7853 to the December average rate of 6.5643, the exchange rate registered a net change of 13.47% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 6.6144 was up 7.61% compared to the 2024 peak of 6.1467, 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 33,072 UAH
2024 Average 28,846 UAH
Yearly Trough Low 28,405 UAH
Transaction Impact: A difference of 4,666.51 UAH purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

6.6453
5.6736
JanuMarcMayJulySeptNove

HRK to UAH 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 6.0402, compared to 6.4625 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.4224 points.

H1 Avg (Jan–Jun) 6.0402
H2 Avg (Jul–Dec) 6.4625

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.3886 UAH (High: 6.3222 / Low: 5.9336). On the other end, September was the most stable month, with a tight range of 0.1044 UAH (High: 6.4892 / Low: 6.3848).

April Spread (Volatile) ±0.3886
September Spread (Stable) ±0.1044

Growth Streaks & Declines

Trends

Between February and July, 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 July and August, when the average rate fell by 0.0783 points.

Longest Streak 5 Mo.
Sharpest MoM Drop -0.0783

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 6.5643) against the same month in 2024 (average: 5.8058), the exchange rate shifted by +0.7585 (+13.06%).

2025 Avg (December) 6.5643
2024 Avg (December) 5.8058

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 5.8411 5.7328 5.7853
February 5.8174 5.6811 5.7546
March 6.0384 5.7054 5.9377
April 6.3222 5.9336 6.1783
May 6.2941 6.1063 6.2192
June 6.5363 6.2590 6.3661
July 6.5574 6.3217 6.4805
August 6.4580 6.3297 6.4022
September 6.4892 6.3848 6.4303
October 6.5147 6.3767 6.4377
November 6.5197 6.3949 6.4602
December 6.6144 6.4852 6.5643