Amount
20 CNY to CNY
- Period high
- 5.1386
- 2026-01-30
- Period low
- 4.6928
- 2026-10-12
- Average
- 4.9452
- Daily volatility
- 0.26%
Sending 20 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.
PayPal
- Recipient gets
- 90.25 CNY
- Lost vs mid-market
- −4.69
- Total cost
- 4.94%
USDT on-chain
- Recipient gets
- 87.31 CNY
- Lost vs mid-market
- −7.63
- Total cost
- 8.04%
Wise
- Recipient gets
- 83.26 CNY
- Lost vs mid-market
- −11.68
- Total cost
- 12.30%
Bank wire (SWIFT)
- Recipient gets
- 0 CNY
- Lost vs mid-market
- −94.94
- Total cost
- 100.00%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| PayPal | 90.25 CNY | −4.69 | 4.94% |
| USDT on-chain | 87.31 CNY | −7.63 | 8.04% |
| Wise | 83.26 CNY | −11.68 | 12.30% |
| Bank wire (SWIFT) | 0 CNY | −94.94 | 100.00% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 90 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