I have been trying for 2 hours to make a wallet transfer to another wallet and keep getting a bandwidth error. I look @ steemd.com/@royaleagle and have > 25% bandwidth. I can post and comment... just not transfer money... so much for instantaneous wallet transfers....
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Unfortunately it's not a specific % of bandwidth needed to complete certain actions...it's the actual bytes available...and this changes depending on how many people are using the blockchain at the same time.