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