atm help getting wrong answer in C

#include<stdio.h>
int main()
{
int X;
float Y;
scanf("d",&X); printf("\t"); scanf(".2f\n",&Y);
if((X>Y)||(X%5!=0))
printf(".2f",Y); else printf(".2f",Y-X-0.50);
return(0);
}

You arent including bank charges. The account should have money for withdrawl+bank charges for transaction to be successful

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