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If sending $7,000, the amount that will go to fees is $275.35 and the recipient will receive $6,724.65. That's 3.93% going to fees, effectively.

* Using Domestic fee rate of 3.9% + $2.35

To receive $7,000, a payment of $7,286.52 should be sent. $286.52 will go to fees. That's 3.93% in fees, effectively.

* Using Domestic fee rate of 3.9% + $2.35