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If sending R0, the amount that will go to fees is R0 and the recipient will receive R0. That's 0% going to fees, effectively.

* Using Domestic fee rate of 6,4% + R,60 (R0 to R6000)

To receive R0, a payment of R0 should be sent. Rn/a will go to fees. That's 0% in fees, effectively.

* Using Domestic fee rate of 6,4% + R,60 (R0 to R6000)