Amount
1,000,000 CNY to CNY
- Period high
- 5.1386
- 2026-01-30
- Period low
- 4.6928
- 2026-10-12
- Average
- 4.9445
- Daily volatility
- 0.26%
Sending 1,000,000 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
- 4,739,738.9 CNY
- Lost vs mid-market
- −7,127.79
- Total cost
- 0.15%
Wise
- Recipient gets
- 4,725,494.54 CNY
- Lost vs mid-market
- −21,372.15
- Total cost
- 0.45%
Bank wire (SWIFT)
- Recipient gets
- 4,628,012.23 CNY
- Lost vs mid-market
- −118,854.46
- Total cost
- 2.50%
PayPal
- Recipient gets
- 4,512,371.48 CNY
- Lost vs mid-market
- −234,495.21
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 4,739,738.9 CNY | −7,127.79 | 0.15% |
| Wise | 4,725,494.54 CNY | −21,372.15 | 0.45% |
| Bank wire (SWIFT) | 4,628,012.23 CNY | −118,854.46 | 2.50% |
| PayPal | 4,512,371.48 CNY | −234,495.21 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 227,367 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