Amount
500,000 CNY to PHP
- Period high
- 9.4298
- 2026-10-19
- Period low
- 8.1661
- 2025-10-20
- Average
- 8.8010
- Daily volatility
- 0.32%
Sending 500,000 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
- 4,707,756.16 PHP
- Lost vs mid-market
- −7,142.96
- Total cost
- 0.15%
Wise
- Recipient gets
- 4,693,576 PHP
- Lost vs mid-market
- −21,323.12
- Total cost
- 0.45%
Bank wire (SWIFT)
- Recipient gets
- 4,595,302.97 PHP
- Lost vs mid-market
- −119,596.16
- Total cost
- 2.54%
PayPal
- Recipient gets
- 4,481,983.1 PHP
- Lost vs mid-market
- −232,916.02
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 4,707,756.16 PHP | −7,142.96 | 0.15% |
| Wise | 4,693,576 PHP | −21,323.12 | 0.45% |
| Bank wire (SWIFT) | 4,595,302.97 PHP | −119,596.16 | 2.54% |
| PayPal | 4,481,983.1 PHP | −232,916.02 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 225,773 PHP 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