Amount
20,000 HKD to SGD
- Period high
- 0.168060
- 2025-11-05
- Period low
- 0.161100
- 2026-09-09
- Average
- 0.163995
- Daily volatility
- 0.22%
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
- 3,253.56 SGD
- Lost vs mid-market
- −6.33
- Total cost
- 0.19%
Wise
- Recipient gets
- 3,243.06 SGD
- Lost vs mid-market
- −16.83
- Total cost
- 0.52%
Bank wire (SWIFT)
- Recipient gets
- 3,143.3 SGD
- Lost vs mid-market
- −116.58
- Total cost
- 3.58%
PayPal
- Recipient gets
- 3,098.85 SGD
- Lost vs mid-market
- −161.04
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 3,253.56 SGD | −6.33 | 0.19% |
| Wise | 3,243.06 SGD | −16.83 | 0.52% |
| Bank wire (SWIFT) | 3,143.3 SGD | −116.58 | 3.58% |
| PayPal | 3,098.85 SGD | −161.04 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 155 SGD 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