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If sending €500, the amount that will go to fees is €25.1 and the recipient will receive €474.9. That's 5.02% going to fees, effectively.

* Using Domestic fee rate of 5,0% + €,10 (Micropayment)

To receive €500, a payment of €526.42 should be sent. €26.42 will go to fees. That's 5.02% in fees, effectively.

* Using Domestic fee rate of 5,0% + €,10 (Micropayment)