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If sending $10, the amount that will go to fees is $0.59 and the recipient will receive $9.41. That's 5.9% going to fees, effectively.

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

To receive $10, a payment of $10.61 should be sent. $0.61 will go to fees. That's 5.75% in fees, effectively.

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