Amount
20 AUD to CNY
- Period high
- 4.9361
- 2026-05-07
- Period low
- 4.5773
- 2025-11-24
- Average
- 4.7632
- Daily volatility
- 0.42%
Sending 20 AUD: what each method costs
The mid-market rate is the honest one. Everything below is what you actually get after fees and exchange-rate markup.
PayPal
- Recipient gets
- 88.46 CNY
- Lost vs mid-market
- −4.6
- Total cost
- 4.94%
USDT on-chain
- Recipient gets
- 85.4 CNY
- Lost vs mid-market
- −7.65
- Total cost
- 8.22%
Wise
- Recipient gets
- 81.35 CNY
- Lost vs mid-market
- −11.7
- Total cost
- 12.58%
Bank wire (SWIFT)
- Recipient gets
- 0 CNY
- Lost vs mid-market
- −93.06
- Total cost
- 100.00%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| PayPal | 88.46 CNY | −4.6 | 4.94% |
| USDT on-chain | 85.4 CNY | −7.65 | 8.22% |
| Wise | 81.35 CNY | −11.7 | 12.58% |
| Bank wire (SWIFT) | 0 CNY | −93.06 | 100.00% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 88 CNY on this transfer.
WorkTGT settles team payouts in USDT through a Safe multisig. Every payment is approved internally first, signed by your own wallets, and provable on-chain. We never hold your funds. Using it is free; each executed payout costs 0.1% (min 0.5, max 5 USDT), network gas included.
Run team payouts with approvals