Amount
20 HKD to HKD
- Period high
- 7.8484
- 2026-10-07
- Period low
- 7.7657
- 2025-11-24
- Average
- 7.8205
- Daily volatility
- 0.04%
Sending 20 HKD: 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
- 149.21 HKD
- Lost vs mid-market
- −7.75
- Total cost
- 4.94%
USDT on-chain
- Recipient gets
- 147.91 HKD
- Lost vs mid-market
- −9.05
- Total cost
- 5.77%
Wise
- Recipient gets
- 143.01 HKD
- Lost vs mid-market
- −13.95
- Total cost
- 8.89%
Bank wire (SWIFT)
- Recipient gets
- 0 HKD
- Lost vs mid-market
- −156.96
- Total cost
- 100.00%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| PayPal | 149.21 HKD | −7.75 | 4.94% |
| USDT on-chain | 147.91 HKD | −9.05 | 5.77% |
| Wise | 143.01 HKD | −13.95 | 8.89% |
| Bank wire (SWIFT) | 0 HKD | −156.96 | 100.00% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 149 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