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If sending €50, the amount that will go to fees is €2.05 and the recipient will receive €47.95. That's 4.1% going to fees, effectively.

* Using Domestic fee rate of 3.4% + €.35 (€0 to €2500)

To receive €50, a payment of €52.12 should be sent. €2.12 will go to fees. That's 4.07% in fees, effectively.

* Using Domestic fee rate of 3.4% + €.35 (€0 to €2500)