Amount
20,000 CNY to CNY
- Period high
- 9.0538
- 2026-01-29
- Period low
- 8.0267
- 2026-10-01
- Average
- 8.6085
- Daily volatility
- 0.38%
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
- 162,044.13 CNY
- Lost vs mid-market
- −250.96
- Total cost
- 0.15%
Wise
- Recipient gets
- 161,553.47 CNY
- Lost vs mid-market
- −741.61
- Total cost
- 0.46%
Bank wire (SWIFT)
- Recipient gets
- 158,054.31 CNY
- Lost vs mid-market
- −4,240.77
- Total cost
- 2.61%
PayPal
- Recipient gets
- 154,277.7 CNY
- Lost vs mid-market
- −8,017.38
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 162,044.13 CNY | −250.96 | 0.15% |
| Wise | 161,553.47 CNY | −741.61 | 0.46% |
| Bank wire (SWIFT) | 158,054.31 CNY | −4,240.77 | 2.61% |
| PayPal | 154,277.7 CNY | −8,017.38 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 7,766 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