Amount
20,000 CNY to HKD
- Period high
- 1.1738
- 2026-10-16
- Period low
- 1.0904
- 2025-10-22
- Average
- 1.1392
- Daily volatility
- 0.14%
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
- 23,431.78 HKD
- Lost vs mid-market
- −44.03
- Total cost
- 0.19%
Wise
- Recipient gets
- 23,356.92 HKD
- Lost vs mid-market
- −118.89
- Total cost
- 0.51%
Bank wire (SWIFT)
- Recipient gets
- 22,673.65 HKD
- Lost vs mid-market
- −802.17
- Total cost
- 3.42%
PayPal
- Recipient gets
- 22,316.11 HKD
- Lost vs mid-market
- −1,159.71
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 23,431.78 HKD | −44.03 | 0.19% |
| Wise | 23,356.92 HKD | −118.89 | 0.51% |
| Bank wire (SWIFT) | 22,673.65 HKD | −802.17 | 3.42% |
| PayPal | 22,316.11 HKD | −1,159.71 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 1,116 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