Amount
20 SGD to CNY
- Period high
- 5.5054
- 2026-01-28
- Period low
- 5.2155
- 2026-10-15
- Average
- 5.3551
- Daily volatility
- 0.17%
Sending 20 SGD: 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.
PayPal
- Recipient gets
- 99.37 CNY
- Lost vs mid-market
- −5.16
- Total cost
- 4.94%
USDT on-chain
- Recipient gets
- 96.87 CNY
- Lost vs mid-market
- −7.67
- Total cost
- 7.34%
Wise
- Recipient gets
- 92.78 CNY
- Lost vs mid-market
- −11.76
- Total cost
- 11.25%
Bank wire (SWIFT)
- Recipient gets
- 0 CNY
- Lost vs mid-market
- −104.54
- Total cost
- 100.00%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| PayPal | 99.37 CNY | −5.16 | 4.94% |
| USDT on-chain | 96.87 CNY | −7.67 | 7.34% |
| Wise | 92.78 CNY | −11.76 | 11.25% |
| Bank wire (SWIFT) | 0 CNY | −104.54 | 100.00% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 99 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