Amount
1,000,000 CNY to CNY
- Period high
- 0.005025
- 2026-10-19
- Period low
- 0.004361
- 2026-07-01
- Average
- 0.004727
- Daily volatility
- 0.55%
Sending 1,000,000 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
- 5,010 CNY
- Lost vs mid-market
- −15.03
- Total cost
- 0.30%
Wise
- Recipient gets
- 4,991.17 CNY
- Lost vs mid-market
- −33.86
- Total cost
- 0.67%
PayPal
- Recipient gets
- 4,776.79 CNY
- Lost vs mid-market
- −248.24
- Total cost
- 4.94%
Bank wire (SWIFT)
- Recipient gets
- 4,716.61 CNY
- Lost vs mid-market
- −308.42
- Total cost
- 6.14%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 5,010 CNY | −15.03 | 0.30% |
| Wise | 4,991.17 CNY | −33.86 | 0.67% |
| PayPal | 4,776.79 CNY | −248.24 | 4.94% |
| Bank wire (SWIFT) | 4,716.61 CNY | −308.42 | 6.14% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 293 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