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If sending 0 kr, the amount that will go to fees is 0 kr and the recipient will receive 0 kr. That's 0% going to fees, effectively.

* Using Domestic fee rate of 3,4% + 3,25 kr (0 kr to 25 000 kr)

To receive 0 kr, a payment of 0 kr should be sent. n/a kr will go to fees. That's 0% in fees, effectively.

* Using Domestic fee rate of 3,4% + 3,25 kr (0 kr to 25 000 kr)