Amount
20,000 CNY to CNY
- Period high
- 1.3874
- 2026-05-06
- Period low
- 1.2577
- 2025-12-29
- Average
- 1.3231
- Daily volatility
- 0.61%
Sending 20,000 CNY: 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.
USDT on-chain
- Recipient gets
- 26,435.93 CNY
- Lost vs mid-market
- −47.21
- Total cost
- 0.18%
Wise
- Recipient gets
- 26,352.72 CNY
- Lost vs mid-market
- −130.42
- Total cost
- 0.49%
Bank wire (SWIFT)
- Recipient gets
- 25,638.28 CNY
- Lost vs mid-market
- −844.87
- Total cost
- 3.19%
PayPal
- Recipient gets
- 25,174.88 CNY
- Lost vs mid-market
- −1,308.27
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 26,435.93 CNY | −47.21 | 0.18% |
| Wise | 26,352.72 CNY | −130.42 | 0.49% |
| Bank wire (SWIFT) | 25,638.28 CNY | −844.87 | 3.19% |
| PayPal | 25,174.88 CNY | −1,308.27 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 1,261 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