Amount
20,000 SGD to HKD
- Period high
- 6.2073
- 2026-09-09
- Period low
- 5.9503
- 2025-11-05
- Average
- 6.0984
- Daily volatility
- 0.22%
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
- 122,510.84 HKD
- Lost vs mid-market
- −192.87
- Total cost
- 0.16%
Wise
- Recipient gets
- 122,138.3 HKD
- Lost vs mid-market
- −565.41
- Total cost
- 0.46%
Bank wire (SWIFT)
- Recipient gets
- 119,420.85 HKD
- Lost vs mid-market
- −3,282.86
- Total cost
- 2.68%
PayPal
- Recipient gets
- 116,642.15 HKD
- Lost vs mid-market
- −6,061.56
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 122,510.84 HKD | −192.87 | 0.16% |
| Wise | 122,138.3 HKD | −565.41 | 0.46% |
| Bank wire (SWIFT) | 119,420.85 HKD | −3,282.86 | 2.68% |
| PayPal | 116,642.15 HKD | −6,061.56 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 5,869 HKD 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