Amount
20,000 CNY to SGD
- Period high
- 0.191738
- 2026-10-15
- Period low
- 0.181639
- 2026-01-28
- Average
- 0.186790
- Daily volatility
- 0.17%
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
- 3,819.25 SGD
- Lost vs mid-market
- −7.18
- Total cost
- 0.19%
Wise
- Recipient gets
- 3,807.04 SGD
- Lost vs mid-market
- −19.38
- Total cost
- 0.51%
Bank wire (SWIFT)
- Recipient gets
- 3,695.67 SGD
- Lost vs mid-market
- −130.75
- Total cost
- 3.42%
PayPal
- Recipient gets
- 3,637.4 SGD
- Lost vs mid-market
- −189.03
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 3,819.25 SGD | −7.18 | 0.19% |
| Wise | 3,807.04 SGD | −19.38 | 0.51% |
| Bank wire (SWIFT) | 3,695.67 SGD | −130.75 | 3.42% |
| PayPal | 3,637.4 SGD | −189.03 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 182 SGD 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