Amount
20,000 EUR to PHP
- Period high
- 72.8150
- 2026-09-09
- Period low
- 67.3520
- 2025-11-04
- Average
- 70.0050
- 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
- 1,412,107.94 PHP
- Lost vs mid-market
- −2,192.06
- Total cost
- 0.15%
Wise
- Recipient gets
- 1,407,829.58 PHP
- Lost vs mid-market
- −6,470.42
- Total cost
- 0.46%
Bank wire (SWIFT)
- Recipient gets
- 1,377,218.82 PHP
- Lost vs mid-market
- −37,081.18
- Total cost
- 2.62%
PayPal
- Recipient gets
- 1,344,433.58 PHP
- Lost vs mid-market
- −69,866.42
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 1,412,107.94 PHP | −2,192.06 | 0.15% |
| Wise | 1,407,829.58 PHP | −6,470.42 | 0.46% |
| Bank wire (SWIFT) | 1,377,218.82 PHP | −37,081.18 | 2.62% |
| PayPal | 1,344,433.58 PHP | −69,866.42 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 67,674 PHP 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