YEARLY HIGH
1.3681 NZD
YEARLY LOW
1.2726 NZD
YEARLY AVERAGE
1.3156 NZD

2025 SGD to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the SGD to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on November 20, valuing the pair at 1.3681. Conversely, the yearly low was recorded on April 24, dropping to 1.2726.

This high-to-low spread represents a total annual volatility of 0.0955 NZD. From a start-to-finish perspective, comparing the January average rate of 1.3051 to the December average rate of 1.3383, the exchange rate registered a net change of 2.55% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 1.3681 was up 4.57% compared to the 2024 peak of 1.3083, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 6,841 NZD
2024 Average 6,188 NZD
Yearly Trough Low 6,363 NZD
Transaction Impact: A difference of 477.55 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

1.3632
1.2870
JanuMarcMayJulySeptNove

SGD 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 1.3017, compared to 1.3296 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0279 points.

H1 Avg (Jan–Jun) 1.3017
H2 Avg (Jul–Dec) 1.3296

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0672 NZD (High: 1.3398 / Low: 1.2726). On the other end, January was the most stable month, with a tight range of 0.0137 NZD (High: 1.3124 / Low: 1.2988).

April Spread (Volatile) ±0.0672
January Spread (Stable) ±0.0137

Growth Streaks & Declines

Trends

Between June and November, 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 November and December, when the average rate fell by 0.0185 points.

Longest Streak 5 Mo.
Sharpest MoM Drop -0.0185

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2025: 1.3568) against the same month in 2024 (average: 1.2668), the exchange rate shifted by +0.0900 (+7.10%).

2025 Avg (November) 1.3568
2024 Avg (November) 1.2668

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 1.3124 1.2988 1.3051
February 1.3229 1.3008 1.3068
March 1.3234 1.2907 1.3083
April 1.3398 1.2726 1.2954
May 1.3131 1.2902 1.3011
June 1.3025 1.2833 1.2934
July 1.3108 1.2883 1.3009
August 1.3352 1.3053 1.3178
September 1.3422 1.3053 1.3235
October 1.3508 1.3260 1.3403
November 1.3681 1.3424 1.3568
December 1.3509 1.3306 1.3383