Amount
500,000 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 500,000 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
- 53,004.95 CNY
- Lost vs mid-market
- −87.15
- Total cost
- 0.16%
Wise
- Recipient gets
- 52,841.9 CNY
- Lost vs mid-market
- −250.2
- Total cost
- 0.47%
Bank wire (SWIFT)
- Recipient gets
- 51,581.4 CNY
- Lost vs mid-market
- −1,510.7
- Total cost
- 2.85%
PayPal
- Recipient gets
- 50,469.35 CNY
- Lost vs mid-market
- −2,622.75
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 53,004.95 CNY | −87.15 | 0.16% |
| Wise | 52,841.9 CNY | −250.2 | 0.47% |
| Bank wire (SWIFT) | 51,581.4 CNY | −1,510.7 | 2.85% |
| PayPal | 50,469.35 CNY | −2,622.75 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 2,536 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