Amount
20 HKD to HKD
- Period high
- 5.6835
- 2026-05-07
- Period low
- 5.0144
- 2025-11-24
- Average
- 5.4272
- Daily volatility
- 0.49%
Sending 20 HKD: 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
- 103.83 HKD
- Lost vs mid-market
- −5.4
- Total cost
- 4.94%
USDT on-chain
- Recipient gets
- 100.25 HKD
- Lost vs mid-market
- −8.98
- Total cost
- 8.22%
Wise
- Recipient gets
- 95.49 HKD
- Lost vs mid-market
- −13.74
- Total cost
- 12.58%
Bank wire (SWIFT)
- Recipient gets
- 0 HKD
- Lost vs mid-market
- −109.23
- Total cost
- 100.00%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| PayPal | 103.83 HKD | −5.4 | 4.94% |
| USDT on-chain | 100.25 HKD | −8.98 | 8.22% |
| Wise | 95.49 HKD | −13.74 | 12.58% |
| Bank wire (SWIFT) | 0 HKD | −109.23 | 100.00% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 104 HKD 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