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

* Using Domestic fee rate of 3.4% + ₪1.20 (₪0 to ₪12,000)

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

* Using Domestic fee rate of 3.4% + ₪1.20 (₪0 to ₪12,000)