2026 ZAR to HRK Historical Review

YEARLY HIGH

0.4062 HRK

YEARLY LOW

0.3814 HRK

YEARLY AVERAGE

0.3950 HRK

2026 ZAR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the ZAR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on July 6, valuing the pair at 0.4062. Conversely, the yearly low was recorded on March 22, dropping to 0.3814.

This high-to-low spread represents a total annual volatility of 0.0248 HRK. From a start-to-finish perspective, comparing the January average rate of 0.3940 to the December average rate of 0.3954, the exchange rate registered a net change of 0.34% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.4062 was up 2.42% compared to the 2025 peak of 0.3966, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 50,000 ZAR based on timing:

Yearly Peak High 20,312 HRK

2025 Average 18,672 HRK

Yearly Trough Low 19,072 HRK

Transaction Impact: A difference of 1,239.96 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.4022

0.3877

JanuMarcMayJuly

ZAR to HRK 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 0.3940, compared to 0.3982 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0042 points.

H1 Avg (Jan–Jun) 0.3940

H2 Avg (Jul–Dec) 0.3982

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 0.0190 HRK (High: 0.4004 / Low: 0.3814). On the other end, August was the most stable month, with a tight range of 0.0018 HRK (High: 0.3964 / Low: 0.3946).

March Spread (Volatile) ±0.0190

August Spread (Stable) ±0.0018

Growth Streaks & Declines

Trends

Between March and July, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0091 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0091

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2026: 0.4010) against the same month in 2025 (average: 0.3630), the exchange rate shifted by +0.0380 (+10.48%).

2026 Avg (July) 0.4010

2025 Avg (July) 0.3630

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4002	0.3871	0.3940
February	0.4021	0.3929	0.3980
March	0.4004	0.3814	0.3889
April	0.3934	0.3837	0.3893
May	0.3984	0.3847	0.3952
June	0.4025	0.3896	0.3984
July	0.4062	0.3933	0.4010
August	0.3964	0.3946	0.3954