Amount
20,000 EUR to HKD
- Period high
- 9.3415
- 2026-01-28
- Period low
- 8.7722
- 2026-10-07
- Average
- 9.0684
- Daily volatility
- 0.35%
Sending 20,000 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.
USDT on-chain
- Recipient gets
- 176,358.23 HKD
- Lost vs mid-market
- −273.77
- Total cost
- 0.15%
Wise
- Recipient gets
- 175,823.91 HKD
- Lost vs mid-market
- −808.09
- Total cost
- 0.46%
Bank wire (SWIFT)
- Recipient gets
- 172,000.93 HKD
- Lost vs mid-market
- −4,631.07
- Total cost
- 2.62%
PayPal
- Recipient gets
- 167,906.38 HKD
- Lost vs mid-market
- −8,725.62
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 176,358.23 HKD | −273.77 | 0.15% |
| Wise | 175,823.91 HKD | −808.09 | 0.46% |
| Bank wire (SWIFT) | 172,000.93 HKD | −4,631.07 | 2.62% |
| PayPal | 167,906.38 HKD | −8,725.62 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 8,452 HKD 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