Amount
500,000 CNY to CNY
- Period high
- 8.3176
- 2026-01-28
- Period low
- 7.4832
- 2026-10-12
- Average
- 7.9648
- Daily volatility
- 0.28%
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
- 3,756,349.49 CNY
- Lost vs mid-market
- −5,650.51
- Total cost
- 0.15%
Wise
- Recipient gets
- 3,745,059.71 CNY
- Lost vs mid-market
- −16,940.29
- Total cost
- 0.45%
Bank wire (SWIFT)
- Recipient gets
- 3,667,766.6 CNY
- Lost vs mid-market
- −94,233.4
- Total cost
- 2.50%
PayPal
- Recipient gets
- 3,576,157.2 CNY
- Lost vs mid-market
- −185,842.8
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 3,756,349.49 CNY | −5,650.51 | 0.15% |
| Wise | 3,745,059.71 CNY | −16,940.29 | 0.45% |
| Bank wire (SWIFT) | 3,667,766.6 CNY | −94,233.4 | 2.50% |
| PayPal | 3,576,157.2 CNY | −185,842.8 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 180,192 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