2026 XCD to GHS Historical Review

YEARLY HIGH

4.3733 GHS

YEARLY LOW

3.8732 GHS

YEARLY AVERAGE

4.1135 GHS

2026 XCD to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the XCD to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on June 5, valuing the pair at 4.3733. Conversely, the yearly low was recorded on January 3, dropping to 3.8732.

This high-to-low spread represents a total annual volatility of 0.5001 GHS. From a start-to-finish perspective, comparing the January average rate of 3.9847 to the December average rate of 4.3127, the exchange rate registered a net change of 8.23% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 4.3733 was down 23.95% compared to the 2025 peak of 5.7504, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 21,866 GHS

2025 Average 23,420 GHS

Yearly Trough Low 19,366 GHS

Transaction Impact: A difference of 2,500.32 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

4.3455

3.9519

JanuMarcMayJuly

XCD to GHS 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 4.0563, compared to 4.2851 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.2287 points.

H1 Avg (Jan–Jun) 4.0563

H2 Avg (Jul–Dec) 4.2851

Volatility Range Comparison

Volatility

The most volatile month in 2026 was June, with a trading range of 0.4127 GHS (High: 4.3733 / Low: 3.9606). On the other end, August was the most stable month, with a tight range of 0.0000 GHS (High: 4.3127 / Low: 4.3127).

June Spread (Volatile) ±0.4127

August Spread (Stable) ±0.0000

Growth Streaks & Declines

Trends

Between May and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0955 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0955

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2026: 4.2129) against the same month in 2025 (average: 3.8065), the exchange rate shifted by +0.4064 (+10.68%).

2026 Avg (June) 4.2129

2025 Avg (June) 3.8065

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	4.0499	3.8732	3.9847
February	4.0787	3.9327	4.0445
March	4.0704	3.9400	4.0180
April	4.1220	4.0644	4.0867
May	4.1442	3.9606	3.9912
June	4.3733	3.9606	4.2129
July	4.3149	4.1888	4.2574
August	4.3127	4.3127	4.3127