Amount
20,000 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 20,000 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.
USDT on-chain
- Recipient gets
- 104,371.98 CNY
- Lost vs mid-market
- −164.32
- Total cost
- 0.16%
Wise
- Recipient gets
- 104,054.6 CNY
- Lost vs mid-market
- −481.7
- Total cost
- 0.46%
Bank wire (SWIFT)
- Recipient gets
- 101,739.49 CNY
- Lost vs mid-market
- −2,796.8
- Total cost
- 2.68%
PayPal
- Recipient gets
- 99,372.2 CNY
- Lost vs mid-market
- −5,164.09
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 104,371.98 CNY | −164.32 | 0.16% |
| Wise | 104,054.6 CNY | −481.7 | 0.46% |
| Bank wire (SWIFT) | 101,739.49 CNY | −2,796.8 | 2.68% |
| PayPal | 99,372.2 CNY | −5,164.09 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 5,000 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