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what is the cheapest way for sending ethereum from 10 account addresses to 10 account addresses?

what is the cheapest way for sending ether to 10 addresses? by using smart contract or using externall owned account to send one by one...? I know that the gas limit of a normal transaction is 21000...so 10 of this transaction costs 210000 gas. I think send ether to 10 addresses by using smart contract has cost more than 210000 gas, Am i right ?