How can one determine the amount of RAM to buy for a new account and for regular transfer actions?

The page here recommends 4K of RAM: https://support.bancor.network/hc/en-us/articles/360018325291-What-is-RAM-CPU-and-NET-on-EOS

Is this a hardcoded value or can this be determined from an API call or some routine?

Once the account is created, how much RAM does an account need to have to be able to successfully submit transfer actions?

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