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If sending €10, the amount that will go to fees is €0.69 and the recipient will receive €9.31. That's 6.9% going to fees, effectively.

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

To receive €10, a payment of €10.71 should be sent. €0.71 will go to fees. That's 6.63% in fees, effectively.

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