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If sending €15, the amount that will go to fees is €1.09 and the recipient will receive €13.91. That's 7.27% going to fees, effectively.

* Using International fee rate of 4,9% + €,35 (Europe II, USA, Canada, Rest of World)

To receive €15, a payment of €16.14 should be sent. €1.14 will go to fees. That's 7.06% in fees, effectively.

* Using International fee rate of 4,9% + €,35 (Europe II, USA, Canada, Rest of World)