Amount
5 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 5 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.
PayPal
- Recipient gets
- 31.78 CNY
- Lost vs mid-market
- −1.65
- Total cost
- 4.94%
USDT on-chain
- Recipient gets
- 25.87 CNY
- Lost vs mid-market
- −7.56
- Total cost
- 22.62%
Wise
- Recipient gets
- 21.99 CNY
- Lost vs mid-market
- −11.44
- Total cost
- 34.21%
Bank wire (SWIFT)
- Recipient gets
- 0 CNY
- Lost vs mid-market
- −33.43
- Total cost
- 100.00%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| PayPal | 31.78 CNY | −1.65 | 4.94% |
| USDT on-chain | 25.87 CNY | −7.56 | 22.62% |
| Wise | 21.99 CNY | −11.44 | 34.21% |
| Bank wire (SWIFT) | 0 CNY | −33.43 | 100.00% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 32 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