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If sending €1,000, the amount that will go to fees is €34.35 and the recipient will receive €965.65. That's 3.44% going to fees, effectively.

* Using Domestic fee rate of 3.4% + €.35 (€0 to €2500)

To receive €1,000, a payment of €1,035.56 should be sent. €35.56 will go to fees. That's 3.43% in fees, effectively.

* Using Domestic fee rate of 3.4% + €.35 (€0 to €2500)