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If sending €5, the amount that will go to fees is €0.5 and the recipient will receive €4.5. That's 10% going to fees, effectively.

* Using Domestic fee rate of 2,9% + €,35

To receive €5, a payment of €5.51 should be sent. €0.51 will go to fees. That's 9.26% in fees, effectively.

* Using Domestic fee rate of 2,9% + €,35