Amount
1,000,000 CNY to CNY
- Period high
- 5.5054
- 2026-01-28
- Period low
- 5.2155
- 2026-10-15
- Average
- 5.3551
- Daily volatility
- 0.17%
Sending 1,000,000 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.
USDT on-chain
- Recipient gets
- 5,218,967.13 CNY
- Lost vs mid-market
- −7,847.74
- Total cost
- 0.15%
Wise
- Recipient gets
- 5,203,282.91 CNY
- Lost vs mid-market
- −23,531.95
- Total cost
- 0.45%
Bank wire (SWIFT)
- Recipient gets
- 5,095,961.1 CNY
- Lost vs mid-market
- −130,853.77
- Total cost
- 2.50%
PayPal
- Recipient gets
- 4,968,610.21 CNY
- Lost vs mid-market
- −258,204.65
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 5,218,967.13 CNY | −7,847.74 | 0.15% |
| Wise | 5,203,282.91 CNY | −23,531.95 | 0.45% |
| Bank wire (SWIFT) | 5,095,961.1 CNY | −130,853.77 | 2.50% |
| PayPal | 4,968,610.21 CNY | −258,204.65 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 250,357 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