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If sending RM0, the amount that will go to fees is RM0 and the recipient will receive RM0. That's 0% going to fees, effectively.

* Using Domestic - Website, invoice and email payments fee rate of 3.9% + RM2.00 (RM0 to RM12,000)

To receive RM0, a payment of RM0 should be sent. RMn/a will go to fees. That's 0% in fees, effectively.

* Using Domestic - Website, invoice and email payments fee rate of 3.9% + RM2.00 (RM0 to RM12,000)