Amount
20,000 CAD to CNY
- Period high
- 5.1386
- 2026-01-30
- Period low
- 4.6928
- 2026-10-12
- Average
- 4.9452
- Daily volatility
- 0.26%
Sending 20,000 CAD: 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
- 94,284.47 CNY
- Lost vs mid-market
- −149.16
- Total cost
- 0.16%
Wise
- Recipient gets
- 93,997.4 CNY
- Lost vs mid-market
- −436.24
- Total cost
- 0.46%
Bank wire (SWIFT)
- Recipient gets
- 91,889.4 CNY
- Lost vs mid-market
- −2,544.24
- Total cost
- 2.69%
PayPal
- Recipient gets
- 89,768.61 CNY
- Lost vs mid-market
- −4,665.02
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 94,284.47 CNY | −149.16 | 0.16% |
| Wise | 93,997.4 CNY | −436.24 | 0.46% |
| Bank wire (SWIFT) | 91,889.4 CNY | −2,544.24 | 2.69% |
| PayPal | 89,768.61 CNY | −4,665.02 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 4,516 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