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If sending $100, the amount that will go to fees is $5.20 and the recipient will receive $94.80. That's 5.2% going to fees, effectively.

* Using Domestic and International fee rate of 4.9% + $.30 ($3000+ to $10,000)

To receive $100, a payment of $105.47 should be sent. $5.47 will go to fees. That's 5.19% in fees, effectively.

* Using Domestic and International fee rate of 4.9% + $.30 ($3000+ to $10,000)