Amount
20,000 HKD to CAD
- Period high
- 0.181735
- 2026-10-12
- Period low
- 0.173209
- 2026-01-30
- Average
- 0.177625
- Daily volatility
- 0.27%
Sending 20,000 HKD: 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
- 3,601.63 CAD
- Lost vs mid-market
- −7
- Total cost
- 0.19%
Wise
- Recipient gets
- 3,590 CAD
- Lost vs mid-market
- −18.63
- Total cost
- 0.52%
Bank wire (SWIFT)
- Recipient gets
- 3,479.58 CAD
- Lost vs mid-market
- −129.06
- Total cost
- 3.58%
PayPal
- Recipient gets
- 3,430.37 CAD
- Lost vs mid-market
- −178.27
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 3,601.63 CAD | −7 | 0.19% |
| Wise | 3,590 CAD | −18.63 | 0.52% |
| Bank wire (SWIFT) | 3,479.58 CAD | −129.06 | 3.58% |
| PayPal | 3,430.37 CAD | −178.27 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 171 CAD 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