Amount
20 HKD to CNY
- Period high
- 0.917063
- 2025-10-22
- Period low
- 0.851232
- 2026-10-19
- Average
- 0.878150
- Daily volatility
- 0.14%
Sending 20 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.
PayPal
- Recipient gets
- 16.18 CNY
- Lost vs mid-market
- −0.84
- Total cost
- 4.94%
USDT on-chain
- Recipient gets
- 9.51 CNY
- Lost vs mid-market
- −7.51
- Total cost
- 44.13%
Wise
- Recipient gets
- 5.7 CNY
- Lost vs mid-market
- −11.33
- Total cost
- 66.52%
Bank wire (SWIFT)
- Recipient gets
- 0 CNY
- Lost vs mid-market
- −17.02
- Total cost
- 100.00%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| PayPal | 16.18 CNY | −0.84 | 4.94% |
| USDT on-chain | 9.51 CNY | −7.51 | 44.13% |
| Wise | 5.7 CNY | −11.33 | 66.52% |
| Bank wire (SWIFT) | 0 CNY | −17.02 | 100.00% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 16 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