Amount
20 EUR to CNY
- Period high
- 8.3176
- 2026-01-28
- Period low
- 7.4832
- 2026-10-12
- Average
- 7.9629
- Daily volatility
- 0.28%
Sending 20 EUR: 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.
PayPal
- Recipient gets
- 142.57 CNY
- Lost vs mid-market
- −7.41
- Total cost
- 4.94%
USDT on-chain
- Recipient gets
- 142.27 CNY
- Lost vs mid-market
- −7.71
- Total cost
- 5.14%
Wise
- Recipient gets
- 138.06 CNY
- Lost vs mid-market
- −11.92
- Total cost
- 7.95%
Bank wire (SWIFT)
- Recipient gets
- 0 CNY
- Lost vs mid-market
- −149.98
- Total cost
- 100.00%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| PayPal | 142.57 CNY | −7.41 | 4.94% |
| USDT on-chain | 142.27 CNY | −7.71 | 5.14% |
| Wise | 138.06 CNY | −11.92 | 7.95% |
| Bank wire (SWIFT) | 0 CNY | −149.98 | 100.00% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 143 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