Amount
20,000 HKD to JPY
- Period high
- 20.9029
- 2026-07-28
- Period low
- 19.4035
- 2025-10-20
- Average
- 20.1762
- Daily volatility
- 0.49%
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
- 401,908.75 JPY
- Lost vs mid-market
- −781.59
- Total cost
- 0.19%
Wise
- Recipient gets
- 400,611.5 JPY
- Lost vs mid-market
- −2,078.84
- Total cost
- 0.52%
Bank wire (SWIFT)
- Recipient gets
- 388,288.72 JPY
- Lost vs mid-market
- −14,401.62
- Total cost
- 3.58%
PayPal
- Recipient gets
- 382,797.44 JPY
- Lost vs mid-market
- −19,892.9
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 401,908.75 JPY | −781.59 | 0.19% |
| Wise | 400,611.5 JPY | −2,078.84 | 0.52% |
| Bank wire (SWIFT) | 388,288.72 JPY | −14,401.62 | 3.58% |
| PayPal | 382,797.44 JPY | −19,892.9 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 19,111 JPY 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