If sending €13.5, the amount that will go to fees is €0.74 and the recipient will receive €12.76. That's 5.48% going to fees, effectively.
* Using Domestic fee rate of 2,9% + €,35
To receive €13.5, a payment of €14.26 should be sent. €0.76 will go to fees. That's 5.33% in fees, effectively.