Amount
20,000 USD to CNY
- Period high
- 7.1271
- 2025-11-05
- Period low
- 6.6862
- 2026-10-16
- Average
- 6.8679
- Daily volatility
- 0.13%
Sending 20,000 USD: 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
- 133,516.24 CNY
- Lost vs mid-market
- −208.1
- Total cost
- 0.16%
Wise
- Recipient gets
- 133,111.29 CNY
- Lost vs mid-market
- −613.05
- Total cost
- 0.46%
Bank wire (SWIFT)
- Recipient gets
- 130,197.83 CNY
- Lost vs mid-market
- −3,526.51
- Total cost
- 2.64%
PayPal
- Recipient gets
- 127,118.36 CNY
- Lost vs mid-market
- −6,605.98
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 133,516.24 CNY | −208.1 | 0.16% |
| Wise | 133,111.29 CNY | −613.05 | 0.46% |
| Bank wire (SWIFT) | 130,197.83 CNY | −3,526.51 | 2.64% |
| PayPal | 127,118.36 CNY | −6,605.98 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 6,398 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