Add fee to checkout for COD shipping except specific shipping zone

functions.php

<?php 

// =========================================================================
// WooCommerce add fee to checkout for a gateway ID
// =========================================================================
function add_checkout_fee_for_gateway() {

    // Check if specific shipping zone in the cart
    $shipping_class_target = 32; // shipping class ID
    $in_cart = false;
    foreach ( WC()->cart->get_cart_contents() as $key => $values ) {
       if ( $values[ 'data' ]->get_shipping_class_id() == $shipping_class_target ) {
          $in_cart = true;
          break;
       } 
    }

    // Set additional fees to COD only if there is no specific shipping zone in the cart
    $chosen_gateway = WC()->session->get( 'chosen_payment_method' );
    if ( !$in_cart && $chosen_gateway == 'cod' ) {
        WC()->cart->add_fee( 'Utánvét díja', 400 );
    }
}
add_action( 'woocommerce_cart_calculate_fees', 'add_checkout_fee_for_gateway' );
 
// Refresh checkout on payment methods change
function refresh_checkout_on_payment_methods_change(){
    wc_enqueue_js( "
    $( 'form.checkout' ).on( 'change', 'input[name^=\'payment_method\']', function() {
        $('body').trigger('update_checkout');
    });
    ");
}
add_action( 'woocommerce_after_checkout_form', 'refresh_checkout_on_payment_methods_change' );