Amount
500,000 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 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
- 4,451,443.57 CNY
- Lost vs mid-market
- −6,694.72
- Total cost
- 0.15%
Wise
- Recipient gets
- 4,438,065.39 CNY
- Lost vs mid-market
- −20,072.91
- Total cost
- 0.45%
Bank wire (SWIFT)
- Recipient gets
- 4,346,501.44 CNY
- Lost vs mid-market
- −111,636.85
- Total cost
- 2.50%
PayPal
- Recipient gets
- 4,237,906.26 CNY
- Lost vs mid-market
- −220,232.03
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 4,451,443.57 CNY | −6,694.72 | 0.15% |
| Wise | 4,438,065.39 CNY | −20,072.91 | 0.45% |
| Bank wire (SWIFT) | 4,346,501.44 CNY | −111,636.85 | 2.50% |
| PayPal | 4,237,906.26 CNY | −220,232.03 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 213,537 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