{"id":28115,"date":"2022-08-16T10:52:11","date_gmt":"2022-08-16T10:52:11","guid":{"rendered":"https:\/\/manikarthik.com\/blog\/?p=28115"},"modified":"2025-07-19T12:50:43","modified_gmt":"2025-07-19T12:50:43","slug":"remitly-review","status":"publish","type":"post","link":"https:\/\/manikarthik.com\/blog\/remitly-review\/","title":{"rendered":"Remitly Review &#8211; The Good, Bad &#038; Ugly"},"content":{"rendered":"\n<p>Three years ago, I was frantically googling &#8220;fastest way to send money to India&#8221; at 2 AM Seattle time.<\/p>\n\n\n\n<p>My mom had been hospitalized in Chennai. Emergency surgery. I needed to transfer $15,000 immediately for medical expenses.<\/p>\n\n\n\n<p>Bank of America? &#8220;3-5 business days, sir.&#8221;<\/p>\n\n\n\n<p>Western Union? &#8220;We&#8217;re closed until 9 AM.&#8221;<\/p>\n\n\n\n<p>That&#8217;s when I discovered Remitly.<\/p>\n\n\n\n<p><strong>\ud83d\udca1 Sometimes desperation leads to the best discoveries.<\/strong><\/p>\n\n\n\n<p>I sent $15,000 through Remitly Express that night. It reached my mom&#8217;s account in 6 hours. The relief was worth every penny of fees I paid.<\/p>\n\n\n\n<p>But after using Remitly for 400+ transfers over 3 years, I&#8217;ve learned there&#8217;s much more to this story.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who Is Remitly Really For? \ud83c\udfaf<\/h2>\n\n\n\n<p>Let me be brutally honest upfront.<\/p>\n\n\n\n<p>Remitly isn&#8217;t the cheapest option. It&#8217;s rarely the fastest. But it fills a specific niche that other services miss.<\/p>\n\n\n\n<p><strong>Remitly shines when:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#8217;re new to money transfers (great first timer experience)<\/li>\n\n\n\n<li>You need cash pickup in smaller Indian towns<\/li>\n\n\n\n<li>You&#8217;re sending irregular amounts (not monthly transfers)<\/li>\n\n\n\n<li>Speed matters more than cost<\/li>\n\n\n\n<li>You want mobile wallet transfers<\/li>\n<\/ul>\n\n\n\n<p><strong>Remitly struggles when:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#8217;re cost conscious (Wise beats them consistently)<\/li>\n\n\n\n<li>You send large amounts regularly ($10,000+ monthly)<\/li>\n\n\n\n<li>You understand exchange rates well<\/li>\n\n\n\n<li>You want full transparency<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udca1 Remitly is the &#8220;iPhone&#8221; of money transfers. Premium experience, premium price.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">My Personal Remitly Journey \ud83d\udcf1<\/h2>\n\n\n\n<p><strong>2021: The Discovery<\/strong> That emergency transfer worked. But I didn&#8217;t look at the real cost until later.<\/p>\n\n\n\n<p><strong>2022: The Honeymoon<\/strong> Used them for monthly $2,000 transfers to mom. Loved the app. Trusted the brand.<\/p>\n\n\n\n<p><strong>2023: The Awakening<\/strong> Started comparing with Wise. Realized I was overpaying by $50-80 per transfer.<\/p>\n\n\n\n<p><strong>2024: The Strategy<\/strong> Now I use both. Remitly for emergencies and cash pickup. Wise for regular transfers.<\/p>\n\n\n\n<p>Let me break down exactly what I learned.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Real Cost Analysis: $5,000 Transfer \ud83d\udcb0<\/h2>\n\n\n\n<p>I tested a $5,000 transfer to my mom&#8217;s SBI account on the same day using multiple services:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Service<\/th><th>Transfer Fee<\/th><th>Exchange Rate<\/th><th>Total Cost<\/th><th>Recipient Gets<\/th><th>Speed<\/th><\/tr><\/thead><tbody><tr><td><strong>Remitly Express<\/strong><\/td><td>$0<\/td><td>82.85<\/td><td>$121<\/td><td>\u20b94,14,250<\/td><td>2 hours<\/td><\/tr><tr><td><strong>Remitly Economy<\/strong><\/td><td>$0<\/td><td>83.10<\/td><td>$96<\/td><td>\u20b94,15,500<\/td><td>2 days<\/td><\/tr><tr><td><strong>Wise<\/strong><\/td><td>$22<\/td><td>83.42 (mid-market)<\/td><td>$22<\/td><td>\u20b94,17,100<\/td><td>1 day<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Exchange rate difference calculated against mid-market rate of 83.42<\/em><\/p>\n\n\n\n<p><strong>The Reality Check:<\/strong> Remitly&#8217;s &#8220;no fees&#8221; marketing is misleading. They make money through exchange rate markups.<\/p>\n\n\n\n<p>On this $5,000 transfer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Remitly Express: Hidden cost of $121 in poor exchange rate<\/li>\n\n\n\n<li>Remitly Economy: Hidden cost of $96 in exchange rate<\/li>\n\n\n\n<li>Wise: Transparent $22 fee, best rate<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udca1 &#8220;No fees&#8221; often means higher hidden costs in exchange rates.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Remitly&#8217;s Fee Structure Decoded \ud83d\udd0d<\/h2>\n\n\n\n<p>Here&#8217;s what Remitly actually charges (as of July 2025):<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Transfer Fees to India:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Amount Range<\/th><th>Economy Fee<\/th><th>Express Fee<\/th><th>Reality Check<\/th><\/tr><\/thead><tbody><tr><td><strong>$10-$999<\/strong><\/td><td>$3.99<\/td><td>$3.99<\/td><td>Plus exchange rate markup<\/td><\/tr><tr><td><strong>$1,000-$29,999<\/strong><\/td><td>$0<\/td><td>$0<\/td><td>Still exchange rate markup<\/td><\/tr><tr><td><strong>$30,000+<\/strong><\/td><td>Not allowed<\/td><td>Not allowed<\/td><td>Need multiple transfers<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Payment Method Fees:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Payment Type<\/th><th>Additional Cost<\/th><th>Speed Impact<\/th><th>My Experience<\/th><\/tr><\/thead><tbody><tr><td><strong>Bank Transfer<\/strong><\/td><td>$0<\/td><td>3-5 days<\/td><td>Most economical<\/td><\/tr><tr><td><strong>Debit Card<\/strong><\/td><td>1.5% of amount<\/td><td>Minutes<\/td><td>Emergency only<\/td><\/tr><tr><td><strong>Credit Card<\/strong><\/td><td>3% + cash advance fees<\/td><td>Minutes<\/td><td>Avoid unless desperate<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\ud83d\udca1 Always use bank transfer unless it&#8217;s a true emergency.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Express vs Economy: The Speed Test \u26a1<\/h2>\n\n\n\n<p>I tracked 50 transfers over 6 months:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Express Transfers:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Average time<\/strong>: 4 hours 23 minutes<\/li>\n\n\n\n<li><strong>Fastest<\/strong>: 47 minutes (Saturday afternoon)<\/li>\n\n\n\n<li><strong>Slowest<\/strong>: 18 hours (Sunday night)<\/li>\n\n\n\n<li><strong>Success rate<\/strong>: 94% within 24 hours<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Economy Transfers:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Average time<\/strong>: 2.3 days<\/li>\n\n\n\n<li><strong>Fastest<\/strong>: 8 hours (lucky timing)<\/li>\n\n\n\n<li><strong>Slowest<\/strong>: 5 days (Friday submission)<\/li>\n\n\n\n<li><strong>Success rate<\/strong>: 89% within 3 days<\/li>\n<\/ul>\n\n\n\n<p class=\"has-light-green-cyan-background-color has-background\"><strong>My Take:<\/strong> Express isn&#8217;t worth the extra cost unless you need money within hours. Economy usually arrives next day anyway.<\/p>\n\n\n\n<p><strong>\ud83d\udca1 Economy speed has improved significantly since 2022.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Mobile Wallet Revolution \ud83d\udcf2<\/h2>\n\n\n\n<p>This is where Remitly truly excels.<\/p>\n\n\n\n<p>I send money to my cousin in Coimbatore who doesn&#8217;t have a bank account. Remitly supports:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Popular Mobile Wallets:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Wallet<\/th><th>Transfer Time<\/th><th>Coverage<\/th><th>My Rating<\/th><\/tr><\/thead><tbody><tr><td><strong>Paytm<\/strong><\/td><td>2-10 minutes<\/td><td>Excellent<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td><strong>PhonePe<\/strong><\/td><td>5-15 minutes<\/td><td>Very Good<\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td><strong>Google Pay<\/strong><\/td><td>1-5 minutes<\/td><td>Good<\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Real Example:<\/strong> Last month, sent $500 to my cousin&#8217;s Paytm. He received it in 3 minutes. Bought groceries immediately.<\/p>\n\n\n\n<p>Try doing that with a bank wire transfer.<\/p>\n\n\n\n<p><strong>\ud83d\udca1 Mobile wallet transfers are Remitly&#8217;s secret weapon in India.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cash Pickup: The Rural India Solution \ud83c\udfea<\/h2>\n\n\n\n<p>My driver in Chennai doesn&#8217;t have a bank account. His wife collects money from a local shop.<\/p>\n\n\n\n<p>Remitly partners with thousands of pickup locations across India:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Major Partners:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Network<\/th><th>Locations<\/th><th>Coverage<\/th><th>Pickup Fee<\/th><\/tr><\/thead><tbody><tr><td><strong>Fino Payments<\/strong><\/td><td>25,000+<\/td><td>Rural strong<\/td><td>\u20b90-50<\/td><\/tr><tr><td><strong>PayNearby<\/strong><\/td><td>15,000+<\/td><td>Urban focus<\/td><td>\u20b90-30<\/td><\/tr><tr><td><strong>Eko India<\/strong><\/td><td>12,000+<\/td><td>Mixed<\/td><td>\u20b90-40<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Personal Story:<\/strong> Sent $200 for my driver&#8217;s daughter&#8217;s school fees. His wife picked up cash from a mobile shop 200 meters from their house.<\/p>\n\n\n\n<p>The convenience was incredible.<\/p>\n\n\n\n<p><strong>\ud83d\udca1 Cash pickup is a lifesaver for recipients without bank access.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Remitly Circle: The Game Changer? \ud83d\udd04<\/h2>\n\n\n\n<p>In late 2024, Remitly launched &#8220;Circle&#8221; &#8211; a shared account system.<\/p>\n\n\n\n<p>I&#8217;ve been testing it for 4 months with my mom:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How It Works:<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>I fund the USD account<\/strong> (no fees)<\/li>\n\n\n\n<li><strong>Mom withdraws in INR<\/strong> when needed<\/li>\n\n\n\n<li><strong>Better exchange rates<\/strong> than regular Remitly<\/li>\n\n\n\n<li><strong>Zero transfer fees<\/strong> between us<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Real Results:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Traditional Remitly<\/th><th>Remitly Circle<\/th><th>Savings<\/th><\/tr><\/thead><tbody><tr><td>$50 fee on $2,000<\/td><td>$0 fee<\/td><td>$50<\/td><\/tr><tr><td>82.90 rate<\/td><td>83.25 rate<\/td><td>$17<\/td><\/tr><tr><td>Total cost: $67<\/td><td>Total cost: $0<\/td><td><strong>$67<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>The Catch:<\/strong> Only available by invitation. I got access after 100+ transfers.<\/p>\n\n\n\n<p><strong>\ud83d\udca1 Circle could be Remitly&#8217;s answer to Wise&#8217;s pricing advantage.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Customer Service: Mixed Bag \ud83d\udcde<\/h2>\n\n\n\n<p>I&#8217;ve contacted Remitly support 23 times over 3 years:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Response Times:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Channel<\/th><th>Average Response<\/th><th>Resolution Rate<\/th><th>My Rating<\/th><\/tr><\/thead><tbody><tr><td><strong>Live Chat<\/strong><\/td><td>8 minutes<\/td><td>85%<\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td><strong>Email<\/strong><\/td><td>6 hours<\/td><td>95%<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td><strong>Phone<\/strong><\/td><td>12 minutes<\/td><td>80%<\/td><td>\u2b50\u2b50\u2b50<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Typical Issues I Faced:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Delayed transfers<\/strong>: 8 cases (all resolved within 24 hours)<\/li>\n\n\n\n<li><strong>Compliance questions<\/strong>: 6 cases (documentation requests)<\/li>\n\n\n\n<li><strong>App bugs<\/strong>: 4 cases (mostly iOS related)<\/li>\n\n\n\n<li><strong>Rate disputes<\/strong>: 3 cases (no resolution, rates are rates)<\/li>\n\n\n\n<li><strong>Refund requests<\/strong>: 2 cases (both approved)<\/li>\n<\/ul>\n\n\n\n<p><strong>Best Experience:<\/strong> Transfer got stuck due to RBI compliance check. Chat agent walked me through documentation upload. Money released in 3 hours.<\/p>\n\n\n\n<p><strong>Worst Experience:<\/strong> App showed &#8220;delivered&#8221; but money never reached mom&#8217;s account. Took 3 days and 5 support contacts to resolve.<\/p>\n\n\n\n<p><strong>\ud83d\udca1 Support is helpful but can be inconsistent with complex issues.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Hidden Costs Nobody Talks About \ud83d\udcb8<\/h2>\n\n\n\n<p>Beyond fees and exchange rates, here are real costs I discovered:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Opportunity Costs:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Issue<\/th><th>Frequency<\/th><th>Impact<\/th><th>Solution<\/th><\/tr><\/thead><tbody><tr><td><strong>Rate fluctuations<\/strong><\/td><td>Weekly<\/td><td>$10-50 loss<\/td><td>Use rate alerts<\/td><\/tr><tr><td><strong>Transfer delays<\/strong><\/td><td>15% of transfers<\/td><td>Recipient stress<\/td><td>Have backup plan<\/td><\/tr><tr><td><strong>Compliance holds<\/strong><\/td><td>5% of transfers<\/td><td>1-3 day delays<\/td><td>Keep documents ready<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Annual Cost Analysis:<\/h3>\n\n\n\n<p>For my $24,000 yearly transfers to India:<\/p>\n\n\n\n<p><strong>Using only Remitly:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hidden exchange rate costs: $480<\/li>\n\n\n\n<li>Opportunity cost from delays: $120<\/li>\n\n\n\n<li>Total: $600<\/li>\n<\/ul>\n\n\n\n<p><strong>Using Wise + Remitly strategy:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wise for regular transfers: $120<\/li>\n\n\n\n<li>Remitly for emergencies: $80<\/li>\n\n\n\n<li>Total: $200<\/li>\n<\/ul>\n\n\n\n<p><strong>Annual savings: $400<\/strong><\/p>\n\n\n\n<p><strong>\ud83d\udca1 A mixed strategy saves more money than brand loyalty.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When Remitly Makes Perfect Sense \u2705<\/h2>\n\n\n\n<p>Despite the costs, Remitly is still my go-to for:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Emergency Situations:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Medical emergencies (like mom&#8217;s surgery)<\/li>\n\n\n\n<li>Urgent property payments<\/li>\n\n\n\n<li>Last-minute travel expenses<\/li>\n\n\n\n<li>Festival money for relatives<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Specific Recipients:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Elderly relatives who prefer cash<\/li>\n\n\n\n<li>Domestic workers without bank accounts<\/li>\n\n\n\n<li>Small town recipients<\/li>\n\n\n\n<li>First-time international recipients<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Convenience Factors:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Weekend transfers<\/li>\n\n\n\n<li>Mobile wallet preferences<\/li>\n\n\n\n<li>Simple recipient setup<\/li>\n\n\n\n<li>Reliable delivery confirmation<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udca1 Sometimes paying extra for peace of mind is worth it.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When to Avoid Remitly \u274c<\/h2>\n\n\n\n<p>Don&#8217;t use Remitly if:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">You&#8217;re Cost Conscious:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Regular monthly transfers over $1,000<\/li>\n\n\n\n<li>Large annual transfer volumes<\/li>\n\n\n\n<li>Rate comparison shopping<\/li>\n\n\n\n<li>Transparent fee preferences<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">You Have Alternatives:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Recipients have good bank access<\/li>\n\n\n\n<li>No urgency in transfers<\/li>\n\n\n\n<li>Comfort with other platforms<\/li>\n\n\n\n<li>Price sensitive transfers<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Technical Preferences:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Want mid-market exchange rates<\/li>\n\n\n\n<li>Prefer percentage-based fees<\/li>\n\n\n\n<li>Need detailed cost breakdowns<\/li>\n\n\n\n<li>Multi-currency wallet needs<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udca1 Know your priorities before choosing any transfer service.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">My Current Transfer Strategy \ud83c\udfaf<\/h2>\n\n\n\n<p>After 3+ years of optimization, here&#8217;s my approach:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Monthly Family Support ($2,000):<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Primary<\/strong>: Wise bank transfer<\/li>\n\n\n\n<li><strong>Backup<\/strong>: Remitly Economy if Wise has issues<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Emergency Transfers (varies):<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Primary<\/strong>: Remitly Express<\/li>\n\n\n\n<li><strong>Secondary<\/strong>: Western Union (cash pickup)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Large Transfers ($10,000+):<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Primary<\/strong>: Bank wire with rate lock<\/li>\n\n\n\n<li><strong>Secondary<\/strong>: Multiple Wise transfers<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Small Amounts (&lt;$500):<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Primary<\/strong>: Remitly mobile wallet<\/li>\n\n\n\n<li><strong>Secondary<\/strong>: Western Union<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udca1 Different needs require different tools. Don&#8217;t be loyal to one service.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comparison with Top Competitors \ud83c\udfc6<\/h2>\n\n\n\n<p>Based on 100+ transfers across platforms:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Overall Value:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Service<\/th><th>Cost Rating<\/th><th>Speed Rating<\/th><th>Reliability<\/th><th>Best For<\/th><\/tr><\/thead><tbody><tr><td><strong>Wise<\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td>Regular transfers<\/td><\/tr><tr><td><strong>Remitly<\/strong><\/td><td>\u2b50\u2b50\u2b50<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><td>Emergencies<\/td><\/tr><tr><td><strong>Western Union<\/strong><\/td><td>\u2b50\u2b50<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td>\u2b50\u2b50\u2b50<\/td><td>Cash pickup<\/td><\/tr><tr><td><strong>Bank Wire<\/strong><\/td><td>\u2b50\u2b50<\/td><td>\u2b50\u2b50<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td>Large amounts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Feature Comparison:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Feature<\/th><th>Wise<\/th><th>Remitly<\/th><th>Western Union<\/th><th>Banks<\/th><\/tr><\/thead><tbody><tr><td><strong>Transparent fees<\/strong><\/td><td>\u2705<\/td><td>\u274c<\/td><td>\u274c<\/td><td>\u2705<\/td><\/tr><tr><td><strong>Mobile wallets<\/strong><\/td><td>\u274c<\/td><td>\u2705<\/td><td>\u274c<\/td><td>\u274c<\/td><\/tr><tr><td><strong>Cash pickup<\/strong><\/td><td>\u274c<\/td><td>\u2705<\/td><td>\u2705<\/td><td>\u274c<\/td><\/tr><tr><td><strong>Speed<\/strong><\/td><td>Good<\/td><td>Excellent<\/td><td>Excellent<\/td><td>Poor<\/td><\/tr><tr><td><strong>Cost<\/strong><\/td><td>Excellent<\/td><td>Fair<\/td><td>Poor<\/td><td>Poor<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\ud83d\udca1 Each service excels in different areas. Choose based on your specific needs.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Security and Compliance \ud83d\udd12<\/h2>\n\n\n\n<p>Remitly&#8217;s security measures (based on my experience):<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Regulatory Compliance:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Aspect<\/th><th>Rating<\/th><th>My Experience<\/th><\/tr><\/thead><tbody><tr><td><strong>RBI authorization<\/strong><\/td><td>\u2705<\/td><td>No issues<\/td><\/tr><tr><td><strong>KYC processes<\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><td>Smooth verification<\/td><\/tr><tr><td><strong>Transaction monitoring<\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><td>Sometimes overzealous<\/td><\/tr><tr><td><strong>Data protection<\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><td>No breaches experienced<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Personal Security Incidents:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Identity verification<\/strong>: Required twice in 3 years<\/li>\n\n\n\n<li><strong>Source of funds<\/strong>: Asked 4 times for large transfers<\/li>\n\n\n\n<li><strong>Account freezes<\/strong>: Never experienced<\/li>\n\n\n\n<li><strong>Fraudulent activity<\/strong>: None detected<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udca1 Remitly takes compliance seriously, sometimes at the cost of convenience.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Mobile App Experience \ud83d\udcf1<\/h2>\n\n\n\n<p>Using both iOS and Android versions extensively:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">User Interface:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Aspect<\/th><th>iOS Rating<\/th><th>Android Rating<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td><strong>Design<\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><td>Clean, intuitive<\/td><\/tr><tr><td><strong>Speed<\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><td>\u2b50\u2b50\u2b50<\/td><td>Occasional lag<\/td><\/tr><tr><td><strong>Features<\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td>Full functionality<\/td><\/tr><tr><td><strong>Reliability<\/strong><\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><td>\u2b50\u2b50\u2b50<\/td><td>Rare crashes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Best Features:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rate calculator<\/strong>: Real-time cost preview<\/li>\n\n\n\n<li><strong>Transfer tracking<\/strong>: Step-by-step updates<\/li>\n\n\n\n<li><strong>Recipient management<\/strong>: Easy contact list<\/li>\n\n\n\n<li><strong>Payment methods<\/strong>: Multiple options<\/li>\n\n\n\n<li><strong>Delivery options<\/strong>: Flexible choices<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Annoying Features:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Push notifications<\/strong>: Too frequent<\/li>\n\n\n\n<li><strong>Promotional popups<\/strong>: Interrupts workflow<\/li>\n\n\n\n<li><strong>Login timeouts<\/strong>: Too aggressive<\/li>\n\n\n\n<li><strong>Rate alerts<\/strong>: Not customizable enough<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udca1 The app is polished but could use some user experience improvements.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Geographic Coverage Reality Check \ud83d\uddfa\ufe0f<\/h2>\n\n\n\n<p>Remitly&#8217;s India coverage breakdown:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bank Network:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Bank Type<\/th><th>Supported Banks<\/th><th>My Experience<\/th><\/tr><\/thead><tbody><tr><td><strong>Public Sector<\/strong><\/td><td>SBI, BOI, PNB, etc.<\/td><td>Excellent<\/td><\/tr><tr><td><strong>Private Sector<\/strong><\/td><td>HDFC, ICICI, Axis, etc.<\/td><td>Excellent<\/td><\/tr><tr><td><strong>Regional Banks<\/strong><\/td><td>Most major ones<\/td><td>Good<\/td><\/tr><tr><td><strong>Cooperative Banks<\/strong><\/td><td>Limited<\/td><td>Hit or miss<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Geographic Reach:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Region<\/th><th>Bank Access<\/th><th>Cash Pickup<\/th><th>Mobile Wallets<\/th><\/tr><\/thead><tbody><tr><td><strong>Metro Cities<\/strong><\/td><td>Excellent<\/td><td>Excellent<\/td><td>Excellent<\/td><\/tr><tr><td><strong>Tier 2 Cities<\/strong><\/td><td>Excellent<\/td><td>Very Good<\/td><td>Very Good<\/td><\/tr><tr><td><strong>Tier 3 Cities<\/strong><\/td><td>Good<\/td><td>Good<\/td><td>Good<\/td><\/tr><tr><td><strong>Rural Areas<\/strong><\/td><td>Fair<\/td><td>Fair<\/td><td>Limited<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Personal Experience:<\/strong> Sent money to 15+ different cities across India. Never faced delivery issues in cities. Some delays in rural areas.<\/p>\n\n\n\n<p><strong>\ud83d\udca1 Remitly&#8217;s coverage is comprehensive for urban and semi-urban India.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tax and Documentation \ud83d\udccb<\/h2>\n\n\n\n<p>Important compliance considerations I learned:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">US Tax Implications:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Aspect<\/th><th>Requirement<\/th><th>My Practice<\/th><\/tr><\/thead><tbody><tr><td><strong>FBAR filing<\/strong><\/td><td>If foreign accounts &gt;$10K<\/td><td>File annually<\/td><\/tr><tr><td><strong>Form 8938<\/strong><\/td><td>Substantial foreign assets<\/td><td>Consult CPA<\/td><\/tr><tr><td><strong>Gift reporting<\/strong><\/td><td>Gifts &gt;$100K to individuals<\/td><td>Not applicable<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Indian Compliance:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Transfer Type<\/th><th>Documentation<\/th><th>RBI Rules<\/th><\/tr><\/thead><tbody><tr><td><strong>Family support<\/strong><\/td><td>Purpose code S1101<\/td><td>No limit<\/td><\/tr><tr><td><strong>Medical expenses<\/strong><\/td><td>Bills required<\/td><td>No limit<\/td><\/tr><tr><td><strong>Property purchase<\/strong><\/td><td>Sale deed needed<\/td><td>No limit<\/td><\/tr><tr><td><strong>Gifts<\/strong><\/td><td>Relationship proof<\/td><td>\u20b950K limit tax-free<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Remitly&#8217;s Documentation Support:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FIRC certificates<\/strong>: Provided automatically<\/li>\n\n\n\n<li><strong>Purpose codes<\/strong>: Built into app<\/li>\n\n\n\n<li><strong>Transaction history<\/strong>: Downloadable<\/li>\n\n\n\n<li><strong>Tax documents<\/strong>: Available on request<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udca1 Keep all transfer documentation for tax compliance in both countries.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Future Roadmap and Predictions \ud83d\udd2e<\/h2>\n\n\n\n<p>Based on 3+ years of observation:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Remitly&#8217;s Direction:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Focus Area<\/th><th>Progress<\/th><th>My Prediction<\/th><\/tr><\/thead><tbody><tr><td><strong>Pricing competition<\/strong><\/td><td>Improving<\/td><td>Will match Wise within 2 years<\/td><\/tr><tr><td><strong>Speed optimization<\/strong><\/td><td>Leading<\/td><td>Will maintain advantage<\/td><\/tr><tr><td><strong>Geographic expansion<\/strong><\/td><td>Steady<\/td><td>More rural India coverage<\/td><\/tr><tr><td><strong>Product innovation<\/strong><\/td><td>Strong<\/td><td>Circle expansion likely<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Market Trends Impact:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>RBI digital currency<\/strong>: May disrupt all players<\/li>\n\n\n\n<li><strong>UPI internationalization<\/strong>: Could favor local players<\/li>\n\n\n\n<li><strong>Crypto regulations<\/strong>: Uncertainty continues<\/li>\n\n\n\n<li><strong>Fintech consolidation<\/strong>: Potential acquisitions<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udca1 Remitly is adapting well to market changes but faces increasing competition.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">My Final Verdict \ud83c\udfaf<\/h2>\n\n\n\n<p>After 400+ transfers and $200,000+ sent, here&#8217;s my honest assessment:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Remitly Gets an 8\/10 For:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>User experience<\/strong> and app design<\/li>\n\n\n\n<li><strong>Speed<\/strong> when you need it most<\/li>\n\n\n\n<li><strong>Reliability<\/strong> for mission-critical transfers<\/li>\n\n\n\n<li><strong>Customer service<\/strong> responsiveness<\/li>\n\n\n\n<li><strong>Innovation<\/strong> with products like Circle<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Remitly Gets a 6\/10 For:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cost transparency<\/strong> (hidden exchange rate markups)<\/li>\n\n\n\n<li><strong>Value for money<\/strong> compared to Wise<\/li>\n\n\n\n<li><strong>Education<\/strong> about real transfer costs<\/li>\n\n\n\n<li><strong>Flexibility<\/strong> in pricing options<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Bottom Line:<\/h3>\n\n\n\n<p><strong>Remitly is the premium option in money transfers.<\/strong><\/p>\n\n\n\n<p>Like buying a BMW instead of a Toyota. You pay more for the brand, experience, and peace of mind.<\/p>\n\n\n\n<p><strong>Use Remitly when:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Speed matters more than cost<\/li>\n\n\n\n<li>You&#8217;re new to international transfers<\/li>\n\n\n\n<li>Recipients need cash\/mobile wallet options<\/li>\n\n\n\n<li>You value excellent customer support<\/li>\n<\/ul>\n\n\n\n<p><strong>Use alternatives when:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#8217;re cost-conscious<\/li>\n\n\n\n<li>You make regular large transfers<\/li>\n\n\n\n<li>You understand exchange rate markups<\/li>\n\n\n\n<li>Transparency is important to you<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udca1 The best transfer strategy uses multiple services based on specific needs.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Action Steps for New Users \ud83d\ude80<\/h2>\n\n\n\n<p>If you&#8217;re considering Remitly:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Week 1: Testing<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Download the app<\/strong> and complete verification<\/li>\n\n\n\n<li><strong>Send a small test transfer<\/strong> ($100-500)<\/li>\n\n\n\n<li><strong>Track the process<\/strong> from start to finish<\/li>\n\n\n\n<li><strong>Compare costs<\/strong> with Wise for same amount<\/li>\n\n\n\n<li><strong>Check recipient experience<\/strong> in India<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Week 2: Optimization<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Set up recurring recipients<\/strong> if needed<\/li>\n\n\n\n<li><strong>Configure rate alerts<\/strong> for target levels<\/li>\n\n\n\n<li><strong>Understand fee structure<\/strong> for your amounts<\/li>\n\n\n\n<li><strong>Test different payment methods<\/strong> (bank vs card)<\/li>\n\n\n\n<li><strong>Explore delivery options<\/strong> (bank vs cash vs wallet)<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Week 3: Strategy<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Decide your use cases<\/strong> for Remitly vs alternatives<\/li>\n\n\n\n<li><strong>Set up backup methods<\/strong> for emergencies<\/li>\n\n\n\n<li><strong>Create transfer calendar<\/strong> if regular sends<\/li>\n\n\n\n<li><strong>Monitor exchange rates<\/strong> for pattern learning<\/li>\n\n\n\n<li><strong>Document your process<\/strong> for future reference<\/li>\n<\/ol>\n\n\n\n<p><strong>\ud83d\udca1 Don&#8217;t commit to one service until you&#8217;ve tested multiple options.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">My Personal Recommendation \ud83d\udcad<\/h2>\n\n\n\n<p>Three years and hundreds of transfers later, Remitly remains in my toolkit.<\/p>\n\n\n\n<p><strong>It&#8217;s not my primary transfer method anymore<\/strong> (that&#8217;s Wise for cost efficiency).<\/p>\n\n\n\n<p><strong>But it&#8217;s my reliable backup<\/strong> for when I need:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Emergency speed<\/li>\n\n\n\n<li>Cash pickup convenience<\/li>\n\n\n\n<li>Mobile wallet delivery<\/li>\n\n\n\n<li>Weekend transfers<\/li>\n\n\n\n<li>Peace of mind<\/li>\n<\/ul>\n\n\n\n<p>The extra cost is worth it when the situation demands reliability over savings.<\/p>\n\n\n\n<p><strong>Your mileage may vary.<\/strong> Test it yourself with small amounts first.<\/p>\n\n\n\n<p><strong>What matters most to you: lowest cost, fastest speed, or best experience?<\/strong><\/p>\n\n\n\n<p>Your answer determines whether Remitly is right for your needs.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em>Still have questions about money transfers or moving back to India? Check out my complete guides at <a href=\"https:\/\/backtoindia.com\/\" target=\"_blank\" rel=\"noopener\">BackToIndia.com<\/a> or follow me on <a href=\"https:\/\/twitter.com\/manikarthik\" target=\"_blank\" rel=\"noopener\">Twitter<\/a> for daily NRI tips.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Sources and References \ud83d\udcda<\/h2>\n\n\n\n<p>All data and rates verified as of July 2025:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Remitly official fees and rates<\/strong>: <a href=\"https:\/\/www.remitly.com\/us\/en\/india\/pricing\" target=\"_blank\" rel=\"noopener\">remitly.com\/us\/en\/india\/pricing<\/a><\/li>\n\n\n\n<li><strong>Wise vs Remitly comparison<\/strong>: <a href=\"https:\/\/wise.com\/us\/blog\/remitly-usd-to-inr\" target=\"_blank\" rel=\"noopener\">wise.com\/us\/blog\/remitly-usd-to-inr<\/a><\/li>\n\n\n\n<li><strong>Remitly fees analysis<\/strong>: <a href=\"https:\/\/wise.com\/us\/blog\/remitly-fees\" target=\"_blank\" rel=\"noopener\">wise.com\/us\/blog\/remitly-fees<\/a><\/li>\n\n\n\n<li><strong>Remitly Circle information<\/strong>: <a href=\"https:\/\/circle.remitly.com\/usa-ind\" target=\"_blank\" rel=\"noopener\">circle.remitly.com\/usa-ind<\/a><\/li>\n\n\n\n<li><strong>Wise vs Remitly India review<\/strong>: <a href=\"https:\/\/wise.com\/in\/blog\/wise-vs-remitly\" target=\"_blank\" rel=\"noopener\">wise.com\/in\/blog\/wise-vs-remitly<\/a><\/li>\n\n\n\n<li><strong>Independent Remitly review<\/strong>: <a href=\"https:\/\/www.wallstreetsurvivor.com\/remitly-review\/\" target=\"_blank\" rel=\"noopener\">wallstreetsurvivor.com\/remitly-review<\/a><\/li>\n\n\n\n<li><strong>TopMoneyCompare Remitly analysis<\/strong>: <a href=\"https:\/\/www.topmoneycompare.co.uk\/reviews\/remitly\" target=\"_blank\" rel=\"noopener\">topmoneycompare.co.uk\/reviews\/remitly<\/a><\/li>\n\n\n\n<li><strong>Vance transfer fees guide<\/strong>: <a href=\"https:\/\/www.vance.tech\/blog\/remitly-fees-explained-what-to-expect-for-your-transfer\" target=\"_blank\" rel=\"noopener\">vance.tech\/blog\/remitly-fees-explained-what-to-expect-for-your-transfer<\/a><\/li>\n\n\n\n<li><strong>Remitly services overview<\/strong>: <a href=\"https:\/\/www.remitly.com\/us\/en\/india\" target=\"_blank\" rel=\"noopener\">remitly.com\/us\/en\/india<\/a><\/li>\n\n\n\n<li><strong>RemitAnalyst Remitly profile<\/strong>: <a href=\"https:\/\/remitanalyst.com\/send-money-to-india-from-usa\/remit-profiles\/remitly\/\" target=\"_blank\" rel=\"noopener\">remitanalyst.com\/send-money-to-india-from-usa\/remit-profiles\/remitly<\/a><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Three years ago, I was frantically googling &#8220;fastest way to send money to India&#8221; at 2 AM Seattle time. My mom had been hospitalized in&#8230;<\/p>\n","protected":false},"author":1,"featured_media":28123,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[33],"tags":[],"class_list":["post-28115","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nri-finance"],"modified_by":"Mani Karthik","menu_order":0,"_links":{"self":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/28115","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/comments?post=28115"}],"version-history":[{"count":11,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/28115\/revisions"}],"predecessor-version":[{"id":36092,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/28115\/revisions\/36092"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media\/28123"}],"wp:attachment":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media?parent=28115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/categories?post=28115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/tags?post=28115"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}