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If sending €5, the amount that will go to fees is €0.52 and the recipient will receive €4.48. That's 10.4% going to fees, effectively.

* Using Domestic fee rate of 3,4% + €,35 (€0 to €2500)

To receive €5, a payment of €5.54 should be sent. €0.54 will go to fees. That's 9.75% in fees, effectively.

* Using Domestic fee rate of 3,4% + €,35 (€0 to €2500)