YEARLY HIGH
2.9139 PLN
YEARLY LOW
2.6282 PLN
YEARLY AVERAGE
2.7296 PLN

2021 NZD to PLN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the NZD to PLN exchange rate experienced significant fluctuation. The market reached its absolute peak on November 19, valuing the pair at 2.9139. Conversely, the yearly low was recorded on June 3, dropping to 2.6282.

This high-to-low spread represents a total annual volatility of 0.2857 PLN. From a start-to-finish perspective, comparing the January average rate of 2.6782 to the December average rate of 2.7698, the exchange rate registered a net change of 3.42% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 2.9139 was up 8.44% compared to the 2020 peak of 2.6871, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 14,569 PLN
2020 Average 12,653 PLN
Yearly Trough Low 13,141 PLN
Transaction Impact: A difference of 1,428.45 PLN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

2.8775
2.6357
JanuMarcMayJulySeptNove

NZD to PLN 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 2.6988, compared to 2.7605 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0617 points.

H1 Avg (Jan–Jun) 2.6988
H2 Avg (Jul–Dec) 2.7605

Volatility Range Comparison

Volatility

The most volatile month in 2021 was October, with a trading range of 0.1390 PLN (High: 2.8624 / Low: 2.7233). On the other end, December was the most stable month, with a tight range of 0.0434 PLN (High: 2.7862 / Low: 2.7428).

October Spread (Volatile) ±0.1390
December Spread (Stable) ±0.0434

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 0.0876 points.

Longest Streak 5 Mo.
Sharpest MoM Drop -0.0876

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 2.8574) against the same month in 2020 (average: 2.6073), the exchange rate shifted by +0.2501 (+9.59%).

2021 Avg (November) 2.8574
2020 Avg (November) 2.6073

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 2.7045 2.6583 2.6782
February 2.7573 2.6737 2.6936
March 2.7825 2.7272 2.7581
April 2.7503 2.6757 2.7158
May 2.7508 2.6439 2.6911
June 2.6838 2.6282 2.6559
July 2.7246 2.6543 2.6946
August 2.7464 2.6727 2.7077
September 2.7752 2.6903 2.7392
October 2.8624 2.7233 2.7942
November 2.9139 2.8052 2.8574
December 2.7862 2.7428 2.7698