Amount
20,000 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 20,000 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
- 2,112.99 CNY
- Lost vs mid-market
- −10.7
- Total cost
- 0.50%
Wise
- Recipient gets
- 2,102.84 CNY
- Lost vs mid-market
- −20.84
- Total cost
- 0.98%
PayPal
- Recipient gets
- 2,018.77 CNY
- Lost vs mid-market
- −104.91
- Total cost
- 4.94%
Bank wire (SWIFT)
- Recipient gets
- 1,887.19 CNY
- Lost vs mid-market
- −236.49
- Total cost
- 11.14%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 2,112.99 CNY | −10.7 | 0.50% |
| Wise | 2,102.84 CNY | −20.84 | 0.98% |
| PayPal | 2,018.77 CNY | −104.91 | 4.94% |
| Bank wire (SWIFT) | 1,887.19 CNY | −236.49 | 11.14% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 226 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