Amount
20,000 CNY to CAD
- Period high
- 0.213091
- 2026-10-12
- Period low
- 0.194606
- 2026-01-30
- Average
- 0.202379
- Daily volatility
- 0.26%
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
- 4,205.41 CAD
- Lost vs mid-market
- −7.9
- Total cost
- 0.19%
Wise
- Recipient gets
- 4,191.98 CAD
- Lost vs mid-market
- −21.33
- Total cost
- 0.51%
Bank wire (SWIFT)
- Recipient gets
- 4,069.47 CAD
- Lost vs mid-market
- −143.84
- Total cost
- 3.41%
PayPal
- Recipient gets
- 4,005.17 CAD
- Lost vs mid-market
- −208.14
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 4,205.41 CAD | −7.9 | 0.19% |
| Wise | 4,191.98 CAD | −21.33 | 0.51% |
| Bank wire (SWIFT) | 4,069.47 CAD | −143.84 | 3.41% |
| PayPal | 4,005.17 CAD | −208.14 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 200 CAD 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