Amount
20 HKD to HKD
- Period high
- 5.7734
- 2026-01-30
- Period low
- 5.5025
- 2026-10-12
- Average
- 5.6309
- Daily volatility
- 0.27%
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
- 105.37 HKD
- Lost vs mid-market
- −5.48
- Total cost
- 4.94%
USDT on-chain
- Recipient gets
- 101.86 HKD
- Lost vs mid-market
- −8.98
- Total cost
- 8.11%
Wise
- Recipient gets
- 97.1 HKD
- Lost vs mid-market
- −13.75
- Total cost
- 12.40%
Bank wire (SWIFT)
- Recipient gets
- 0 HKD
- Lost vs mid-market
- −110.85
- Total cost
- 100.00%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| PayPal | 105.37 HKD | −5.48 | 4.94% |
| USDT on-chain | 101.86 HKD | −8.98 | 8.11% |
| Wise | 97.1 HKD | −13.75 | 12.40% |
| Bank wire (SWIFT) | 0 HKD | −110.85 | 100.00% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 105 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