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About 25 won per dollar on US cash. That is 75,000 won on $3,000, or 7,500 with a preferential rate. The rate printed large at the top of the app already had the fee in it.

Scattered costs collapse into one line: exactly how much will they receive. And you still have thirty minutes after sending.

The wording reads “foreign currency, or outside the country, or with a foreign merchant.” Switching currency leaves nowhere to escape to.