Amount
100,000 PHP to CNY
- Period high
- 0.122458
- 2025-10-20
- Period low
- 0.106083
- 2026-10-15
- Average
- 0.113860
- Daily volatility
- 0.32%
Sending 100,000 PHP: 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
- 10,594.98 CNY
- Lost vs mid-market
- −23.44
- Total cost
- 0.22%
Wise
- Recipient gets
- 10,559.35 CNY
- Lost vs mid-market
- −59.07
- Total cost
- 0.56%
Bank wire (SWIFT)
- Recipient gets
- 10,169.56 CNY
- Lost vs mid-market
- −448.86
- Total cost
- 4.23%
PayPal
- Recipient gets
- 10,093.87 CNY
- Lost vs mid-market
- −524.55
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 10,594.98 CNY | −23.44 | 0.22% |
| Wise | 10,559.35 CNY | −59.07 | 0.56% |
| Bank wire (SWIFT) | 10,169.56 CNY | −448.86 | 4.23% |
| PayPal | 10,093.87 CNY | −524.55 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 501 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