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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 International - Website, invoice and email payments fee rate of 4.4% + ₱15 (₱0 to ₱150,000)

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

* Using International - Website, invoice and email payments fee rate of 4.4% + ₱15 (₱0 to ₱150,000)