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If sending $100, the amount that will go to fees is $4.40 and the recipient will receive $95.60. That's 4.4% going to fees, effectively.

* Using Domestic fee rate of 3.9% + $.50 SGD

To receive $100, a payment of $104.58 should be sent. $4.58 will go to fees. That's 4.38% in fees, effectively.

* Using Domestic fee rate of 3.9% + $.50 SGD