Amount
20,000 CNY to CNY
- Period high
- 9.5973
- 2026-01-29
- Period low
- 8.8473
- 2026-10-09
- Average
- 9.2039
- Daily volatility
- 0.32%
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
- 178,050.53 CNY
- Lost vs mid-market
- −275
- Total cost
- 0.15%
Wise
- Recipient gets
- 177,511.78 CNY
- Lost vs mid-market
- −813.75
- Total cost
- 0.46%
Bank wire (SWIFT)
- Recipient gets
- 173,684 CNY
- Lost vs mid-market
- −4,641.54
- Total cost
- 2.60%
PayPal
- Recipient gets
- 169,516.25 CNY
- Lost vs mid-market
- −8,809.28
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 178,050.53 CNY | −275 | 0.15% |
| Wise | 177,511.78 CNY | −813.75 | 0.46% |
| Bank wire (SWIFT) | 173,684 CNY | −4,641.54 | 2.60% |
| PayPal | 169,516.25 CNY | −8,809.28 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 8,534 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