Amount
20,000 CNY to CNY
- Period high
- 0.005020
- 2026-10-12
- Period low
- 0.004361
- 2026-07-01
- Average
- 0.004726
- Daily volatility
- 0.55%
Sending 20,000 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.
PayPal
- Recipient gets
- 95.43 CNY
- Lost vs mid-market
- −4.96
- Total cost
- 4.94%
USDT on-chain
- Recipient gets
- 92.72 CNY
- Lost vs mid-market
- −7.66
- Total cost
- 7.63%
Wise
- Recipient gets
- 88.65 CNY
- Lost vs mid-market
- −11.74
- Total cost
- 11.69%
Bank wire (SWIFT)
- Recipient gets
- 0 CNY
- Lost vs mid-market
- −100.39
- Total cost
- 100.00%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| PayPal | 95.43 CNY | −4.96 | 4.94% |
| USDT on-chain | 92.72 CNY | −7.66 | 7.63% |
| Wise | 88.65 CNY | −11.74 | 11.69% |
| Bank wire (SWIFT) | 0 CNY | −100.39 | 100.00% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 95 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