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If sending $24.1, the amount that will go to fees is $1.6 and the recipient will receive $22.5. That's 6.64% going to fees, effectively.

* Using Domestic and International fee rate of 5.4% + $.30 ($0 to $3000)

To receive $24.1, a payment of $25.79 should be sent. $1.69 will go to fees. That's 6.55% in fees, effectively.

* Using Domestic and International fee rate of 5.4% + $.30 ($0 to $3000)