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If sending $5, the amount that will go to fees is $0.45 and the recipient will receive $4.55. That's 9% going to fees, effectively.

* Using Domestic fee rate of 2.9% + $.30 (via online transaction)

To receive $5, a payment of $5.46 should be sent. $0.46 will go to fees. That's 8.42% in fees, effectively.

* Using Domestic fee rate of 2.9% + $.30 (via online transaction)