Amount
5,000,000 PHP to CNY
- Period high
- 0.122458
- 2025-10-20
- Period low
- 0.106047
- 2026-10-19
- Average
- 0.113830
- Daily volatility
- 0.32%
Sending 5,000,000 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
- 529,431.2 CNY
- Lost vs mid-market
- −802.84
- Total cost
- 0.15%
Wise
- Recipient gets
- 527,836.74 CNY
- Lost vs mid-market
- −2,397.3
- Total cost
- 0.45%
Bank wire (SWIFT)
- Recipient gets
- 516,795.4 CNY
- Lost vs mid-market
- −13,438.64
- Total cost
- 2.53%
PayPal
- Recipient gets
- 504,040.48 CNY
- Lost vs mid-market
- −26,193.56
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 529,431.2 CNY | −802.84 | 0.15% |
| Wise | 527,836.74 CNY | −2,397.3 | 0.45% |
| Bank wire (SWIFT) | 516,795.4 CNY | −13,438.64 | 2.53% |
| PayPal | 504,040.48 CNY | −26,193.56 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 25,391 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