Amount
20,000 CNY to CNY
- Period high
- 8.3176
- 2026-01-28
- Period low
- 7.4832
- 2026-10-12
- Average
- 7.9629
- Daily volatility
- 0.28%
Sending 20,000 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
- 149,749.54 CNY
- Lost vs mid-market
- −232.46
- Total cost
- 0.15%
Wise
- Recipient gets
- 149,295.83 CNY
- Lost vs mid-market
- −686.17
- Total cost
- 0.46%
Bank wire (SWIFT)
- Recipient gets
- 146,049.66 CNY
- Lost vs mid-market
- −3,932.34
- Total cost
- 2.62%
PayPal
- Recipient gets
- 142,572.89 CNY
- Lost vs mid-market
- −7,409.11
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 149,749.54 CNY | −232.46 | 0.15% |
| Wise | 149,295.83 CNY | −686.17 | 0.46% |
| Bank wire (SWIFT) | 146,049.66 CNY | −3,932.34 | 2.62% |
| PayPal | 142,572.89 CNY | −7,409.11 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 7,177 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