{"id":35983,"date":"2025-07-04T15:14:47","date_gmt":"2025-07-04T15:14:47","guid":{"rendered":"https:\/\/manikarthik.com\/blog\/?p=35983"},"modified":"2025-07-04T15:14:53","modified_gmt":"2025-07-04T15:14:53","slug":"transfer-money-from-one-bank-to-another","status":"publish","type":"post","link":"https:\/\/manikarthik.com\/blog\/transfer-money-from-one-bank-to-another\/nri-finance\/money-transfer\/","title":{"rendered":"How to Transfer Money from One Bank to Another: The Smart NRI Guide \ud83d\udcb0"},"content":{"rendered":"\n<p><em>Moving money between your own banks shouldn&#8217;t be complicated or expensive. Here&#8217;s what I learned after managing multiple accounts across two countries.<\/em><\/p>\n\n\n\n<p>Back in 2015, while working at Druva in San Jose, I had a crazy banking setup.<\/p>\n\n\n\n<p>Chase for my salary. Wells Fargo for savings. Bank of America for the credit card benefits. Citibank for international transfers to mom in Chennai.<\/p>\n\n\n\n<p>My wife thought I was obsessed with banks. She wasn&#8217;t wrong.<\/p>\n\n\n\n<p>But here&#8217;s the thing. Each bank served a purpose. The challenge was moving money between them efficiently.<\/p>\n\n\n\n<p>I was paying fees for simple transfers. Making mistakes with timing. Getting frustrated with limits.<\/p>\n\n\n\n<p>After years of trial and error, I discovered the smartest ways to move money between banks. Both in USA and after moving back to India.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Understanding Your Transfer Options \ud83d\udd04<\/h2>\n\n\n\n<p>Moving money between banks isn&#8217;t just one method. Multiple pathways exist.<\/p>\n\n\n\n<p>Each has different speeds, costs, and limits.<\/p>\n\n\n\n<p><strong>The Four Main Methods:<\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ACH Transfers (Automated Clearing House) <\/li>\n\n\n\n<li>Wire Transfers<\/li>\n\n\n\n<li>Digital Payment Apps (Zelle, Venmo) <\/li>\n\n\n\n<li>Online External Transfers<\/li>\n<\/ul>\n\n\n\n<p>Think of it like choosing transportation. Flying is fastest but expensive. Driving is cheaper but slower.<\/p>\n\n\n\n<p>Same logic applies to bank transfers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Method 1: ACH Transfers (The Reliable Workhorse) \ud83d\udc0e<\/h2>\n\n\n\n<p>ACH is how most electronic transfers happen in USA.<\/p>\n\n\n\n<p>Your paycheck direct deposit? That&#8217;s ACH. Your automatic bill payments? Also ACH.<\/p>\n\n\n\n<p><strong>How ACH Works:<\/strong> Money moves through the Automated Clearing House network. Banks batch process these transfers. Usually takes 1 to 3 business days.<\/p>\n\n\n\n<p><strong>ACH Transfer Costs:<\/strong> \u2022 Most banks: Free to $3 per transfer \u2022 Credit unions: Usually free \u2022 Online banks: Almost always free<\/p>\n\n\n\n<p><strong>My ACH Strategy:<\/strong> I used ACH for all non urgent transfers. Moving money from Chase checking to Wells Fargo savings every month. Cost me nothing.<\/p>\n\n\n\n<p>The key is planning ahead. ACH isn&#8217;t instant.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Method 2: Wire Transfers (The Speed Demon) \u26a1<\/h2>\n\n\n\n<p>Wires are the Ferrari of bank transfers.<\/p>\n\n\n\n<p>Same day domestic delivery. Sometimes within hours.<\/p>\n\n\n\n<p>But speed costs money.<\/p>\n\n\n\n<p><strong>Wire Transfer Process:<\/strong> Direct bank to bank communication. No intermediary network. Money moves immediately during business hours.<\/p>\n\n\n\n<p><strong>When I Used Wires:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Emergency fund transfers during market crashes <\/li>\n\n\n\n<li>Time sensitive real estate transactions<\/li>\n\n\n\n<li>\u2022Moving large sums when speed mattered<\/li>\n<\/ul>\n\n\n\n<p><strong>My Wire Transfer Mistake:<\/strong> In 2016, I wired $25,000 from Wells Fargo to Chase for a property down payment. Panic mode because I needed it same day.<\/p>\n\n\n\n<p>Cost me $45 in fees. Could have saved that with better planning.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Method 3: Digital Payment Apps (The Convenient Choice) \ud83d\udcf1<\/h2>\n\n\n\n<p>Zelle, Venmo, PayPal revolutionized personal transfers.<\/p>\n\n\n\n<p>But they work differently for bank to bank transfers.<\/p>\n\n\n\n<p><strong>Zelle for Bank Transfers:<\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Integrated into most major banks <\/li>\n\n\n\n<li>Instant transfers between participating banks<\/li>\n\n\n\n<li>Usually free for basic transfers <\/li>\n\n\n\n<li>Daily and monthly limits apply<\/li>\n<\/ul>\n\n\n\n<p><strong>My Zelle Experience:<\/strong> Chase to Wells Fargo transfers became instant with Zelle. No fees. Money appeared in minutes.<\/p>\n\n\n\n<p>But limits frustrated me. Chase allowed only $2,000 daily transfers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Method 4: Online External Transfers (The Set and Forget) \ud83d\udd04<\/h2>\n\n\n\n<p>Most banks offer external transfer services.<\/p>\n\n\n\n<p>Link your accounts once. Transfer money through online banking.<\/p>\n\n\n\n<p><strong>Setup Process:<\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Add external bank account details<\/li>\n\n\n\n<li>Wait for verification (micro deposits)<\/li>\n\n\n\n<li>Start transferring once verified<\/li>\n<\/ul>\n\n\n\n<p><strong>The Verification Game:<\/strong> Banks send tiny deposits (like $0.12 and $0.37) to verify you own the external account. You confirm these amounts online.<\/p>\n\n\n\n<p>Takes 2 to 3 business days for verification. But setup is permanent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Transfer Methods Comparison \ud83d\udcca<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Method<\/th><th>Speed<\/th><th>Cost<\/th><th>Limits<\/th><th>Best For<\/th><\/tr><\/thead><tbody><tr><td><strong>ACH Transfer<\/strong><\/td><td>1-3 days<\/td><td>Free-$3<\/td><td>High<\/td><td>Regular transfers<\/td><\/tr><tr><td><strong>Wire Transfer<\/strong><\/td><td>Same day<\/td><td>$15-45<\/td><td>Very high<\/td><td>Urgent\/large amounts<\/td><\/tr><tr><td><strong>Zelle<\/strong><\/td><td>Instant<\/td><td>Free*<\/td><td>$500-5,000\/day<\/td><td>Quick personal transfers<\/td><\/tr><tr><td><strong>External Transfer<\/strong><\/td><td>1-3 days<\/td><td>Free-$3<\/td><td>Varies<\/td><td>Automated transfers<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>*Some banks may charge Zelle fees<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bank Specific Transfer Limits (2025 Data) \ud83d\udcb3<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Bank<\/th><th>Zelle Daily Limit<\/th><th>Zelle Monthly Limit<\/th><th>Wire Transfer Limit<\/th><\/tr><\/thead><tbody><tr><td><strong>Chase<\/strong><\/td><td>$2,000-5,000<\/td><td>$16,000-40,000<\/td><td>$250,000+<\/td><\/tr><tr><td><strong>Wells Fargo<\/strong><\/td><td>$2,500-5,000<\/td><td>$20,000<\/td><td>$1,000,000+<\/td><\/tr><tr><td><strong>Bank of America<\/strong><\/td><td>$2,500-3,500<\/td><td>$20,000<\/td><td>$1,000,000+<\/td><\/tr><tr><td><strong>Citibank<\/strong><\/td><td>$2,500<\/td><td>$15,000<\/td><td>$1,000,000+<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>*Limits vary by account type and customer relationship<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">My Personal Transfer Evolution \ud83d\ude80<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Phase 1: Clueless Corporate Days (2014-2016)<\/h3>\n\n\n\n<p>Used whatever method was convenient. Paid unnecessary fees. No strategy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Phase 2: Optimization Mode (2016-2017)<\/h3>\n\n\n\n<p>Started comparing costs. Discovered ACH transfers. Set up external account links.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Phase 3: India Return Strategy (2017-Present)<\/h3>\n\n\n\n<p>Had to move large amounts back to India. Learned about international implications.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Smart Transfer Strategies I Developed \ud83d\udca1<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">For Regular Monthly Transfers<\/h3>\n\n\n\n<p><strong>ACH or External Transfers<\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Set up automatic transfers<\/li>\n\n\n\n<li>Schedule for the same date each month<\/li>\n\n\n\n<li>No fees with most banks<\/li>\n<\/ul>\n\n\n\n<p><strong>My Setup:<\/strong> Chase checking \u2192 Wells Fargo savings (automated ACH) Cost: $0 per month Time: Set once, forget forever<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">For Emergency Situations<\/h3>\n\n\n\n<p><strong>Wire Transfers<\/strong> \u2022 When speed matters more than cost \u2022 Large amounts that exceed Zelle limits \u2022 Time sensitive transactions<\/p>\n\n\n\n<p><strong>Real Example:<\/strong> During mom&#8217;s hospitalization in 2018, I needed to wire $15,000 urgently from USA to India.<\/p>\n\n\n\n<p>Used traditional wire transfer. Cost $45 but money reached same day.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">For Daily Convenience<\/h3>\n\n\n\n<p><strong>Zelle Transfers<\/strong> \u2022 Between accounts at Zelle participating banks \u2022 Amounts under daily limits \u2022 When you need instant confirmation<\/p>\n\n\n\n<p><strong>Current Usage:<\/strong> Chase to Wells Fargo small transfers via Zelle. Free and instant.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Common Transfer Mistakes to Avoid \u26a0\ufe0f<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Mistake 1: Not Checking Cut Off Times<\/h3>\n\n\n\n<p>Banks have daily deadlines for same day processing. Miss the cutoff and your transfer waits until next business day.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mistake 2: Forgetting About Weekends<\/h3>\n\n\n\n<p>ACH transfers don&#8217;t process on weekends or holidays. Plan accordingly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mistake 3: Exceeding Zelle Limits<\/h3>\n\n\n\n<p>I once tried to send $5,000 via Zelle from Chase. Daily limit was $2,000. Had to split into multiple days.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mistake 4: Using Wrong Account Numbers<\/h3>\n\n\n\n<p>My brother once entered wrong routing number for external transfer. Money disappeared for a week. Bank eventually returned it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mistake 5: Not Understanding Holds<\/h3>\n\n\n\n<p>Some banks place holds on transferred funds. Especially for new account relationships.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Transfer Security Best Practices \ud83d\udd12<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Verify Account Information Twice<\/h3>\n\n\n\n<p>Wrong account numbers can send money to strangers. Always double check.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Use Secure Networks Only<\/h3>\n\n\n\n<p>Never initiate transfers on public WiFi. Wait until you&#8217;re on secure connection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Monitor Transfer Status<\/h3>\n\n\n\n<p>Keep track of pending transfers. Contact bank if transfers don&#8217;t complete as expected.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Save Confirmation Numbers<\/h3>\n\n\n\n<p>Always save transfer receipts and confirmation numbers for records.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Special Considerations for NRIs \ud83c\uddee\ud83c\uddf3<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">USA to USA Transfers While Living in India<\/h3>\n\n\n\n<p>I still maintain USA bank accounts for my older son&#8217;s college fund. Transfer money between USA banks from India using online banking.<\/p>\n\n\n\n<p>No issues as long as accounts remain active.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Timing Zone Differences<\/h3>\n\n\n\n<p>USA bank business hours don&#8217;t align with India time. Plan transfers considering this gap.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tax Implications<\/h3>\n\n\n\n<p>Large transfers between USA banks may trigger reporting requirements. Keep detailed records.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cost Optimization Tips \ud83d\udcb0<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Choose the Right Bank Account Types<\/h3>\n\n\n\n<p>Premium accounts often include free wire transfers. Calculate if benefits justify the monthly fees.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Build Banking Relationships<\/h3>\n\n\n\n<p>Long term customers get better limits and sometimes waived fees.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Use Credit Union Alternatives<\/h3>\n\n\n\n<p>Credit unions typically charge lower fees than major banks.<\/p>\n\n\n\n<p><strong>My Credit Union Discovery:<\/strong> Patelco Credit Union offered free wire transfers for members. Saved me hundreds annually.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Future of Bank Transfers \ud83d\udd2e<\/h2>\n\n\n\n<p>The landscape keeps evolving rapidly.<\/p>\n\n\n\n<p><strong>Emerging Trends:<\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Real time ACH transfers becoming standard<\/li>\n\n\n\n<li>Cryptocurrency integration starting<\/li>\n\n\n\n<li>AI powered fraud detection improving<\/li>\n\n\n\n<li>Cross border transfers getting easier<\/li>\n<\/ul>\n\n\n\n<p><strong>My Prediction:<\/strong> Traditional bank wires will become obsolete within 3 years. Digital first solutions will dominate.<\/p>\n\n\n\n<p>FedNow service launched in 2023 enables instant transfers. Game changer for ACH speed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Technology Tools That Help \ud83d\udcf1<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Bank Mobile Apps<\/h3>\n\n\n\n<p>All major banks now offer mobile transfer options. Usually same functionality as website.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Aggregation Services<\/h3>\n\n\n\n<p>Mint, Personal Capital help track transfers across multiple accounts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Automated Transfer Services<\/h3>\n\n\n\n<p>Set recurring transfers to happen automatically. Removes human error.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">My Current Transfer Setup (2025) \ud83c\udfaf<\/h2>\n\n\n\n<p><strong>For Regular Movements:<\/strong> ACH transfers between Chase, Wells Fargo, and Citibank Cost: $0 monthly Setup: Automated on 15th of each month<\/p>\n\n\n\n<p><strong>For Instant Needs:<\/strong> Zelle for amounts under $2,000 Wire transfers for large urgent amounts<\/p>\n\n\n\n<p><strong>For International:<\/strong> <a class=\"wpil_keyword_link\" href=\"https:\/\/wise.com\/?clickref=1101lzU4INnt&#038;partnerID=1101l103135&#038;utm_medium=affiliate&#038;utm_campaign=0&#038;adref=&#038;utm_source=manikarthik&#038;partnerizecampaignID=1100l645\" title=\"Wise\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"670\" target=\"_blank\" rel=\"noopener\">Wise<\/a> for India transfers (covered in previous blog post)<\/p>\n\n\n\n<p><strong>For Business:<\/strong> Separate business accounts with higher limits OFX for large business transfers<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Action Plan for Smart Transfers \ud83d\udccb<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Immediate Steps (This Week):<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>List all your bank accounts<\/li>\n\n\n\n<li>Calculate current transfer costs<\/li>\n\n\n\n<li> Identify which banks support Zelle<\/li>\n\n\n\n<li>Set up external account links<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Medium Term (This Month):<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Test each transfer method with small amounts <\/li>\n\n\n\n<li>Compare total costs vs benefits <\/li>\n\n\n\n<li>Set up automated transfers where applicable<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Long Term Strategy:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Optimize account types based on transfer needs <\/li>\n\n\n\n<li>Build relationships with primary banks <\/li>\n\n\n\n<li>Stay updated on new transfer technologies<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Bottom Line: Transfer Money Smartly \ud83c\udfc6<\/h2>\n\n\n\n<p>Moving money between your own banks shouldn&#8217;t cost a fortune.<\/p>\n\n\n\n<p>With proper planning and method selection, most transfers can be free or very low cost.<\/p>\n\n\n\n<p>The key is matching transfer method to your specific needs.<\/p>\n\n\n\n<p><strong>For routine transfers<\/strong>: Use free ACH or external transfers <br><strong>For urgent needs<\/strong>: Accept wire transfer costs when necessary<br><strong>For convenience<\/strong>: Leverage Zelle for instant small amounts<\/p>\n\n\n\n<p>Don&#8217;t let banks profit unnecessarily from your money movements.<\/p>\n\n\n\n<p>Take control of your transfer strategy today.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Real World Example: My Monthly Flow \ud83d\udcb8<\/h2>\n\n\n\n<p><strong>Salary Direct Deposit<\/strong> \u2192 Chase Checking <br><strong>Automatic Savings<\/strong> \u2192 Wells Fargo High Yield Savings (ACH) <br><strong>Investment Funding<\/strong> \u2192 Fidelity Brokerage (External Transfer)<br><strong>India Family Support<\/strong> \u2192 Wise Transfer <br><strong>Emergency Buffer<\/strong> \u2192 Citibank Account (Wire when urgent)<br><strong>Total Monthly Transfer Costs<\/strong>: Under $5<br><strong>Previous Costs<\/strong>: Over $50 monthly<br><strong>Annual Savings<\/strong>: $540+<\/p>\n\n\n\n<p>Remember, every dollar saved on transfer fees is a dollar you can invest or send to family.<\/p>\n\n\n\n<p>Start optimizing your transfers today!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>Questions About Bank Transfers?<\/strong><\/p>\n\n\n\n<p>Share your transfer challenges in the comments. Let&#8217;s help each other save money and time!<\/p>\n\n\n\n<p><em>Transfer smart!<\/em><br><em>Mani<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Data Sources and References \ud83d\udcda<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.nerdwallet.com\/article\/banking\/ach-transfers\" target=\"_blank\" rel=\"noopener\">NerdWallet ACH Transfer Guide<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.investopedia.com\/ach-vs-wire-transfer-5208168\" target=\"_blank\" rel=\"noopener\">Investopedia ACH vs Wire Transfer Comparison<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/wise.com\/us\/blog\/zelle-wire-transfer\" target=\"_blank\" rel=\"noopener\">Wise Zelle Transfer Analysis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.bankrate.com\/banking\/zelle-limits-at-top-banks\/\" target=\"_blank\" rel=\"noopener\">Bankrate Zelle Limits at Top Banks<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.bankofamerica.com\/online-banking\/service-agreement.go\" target=\"_blank\" rel=\"noopener\">Bank of America Transfer Agreement<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.citizensbank.com\/learning\/what-is-a-wire-transfer.aspx\" target=\"_blank\" rel=\"noopener\">Citizens Bank Wire Transfer Guide<\/a><\/li>\n<\/ol>\n\n\n\n<p><em>Data accurate as of July 2025. Bank fees and limits subject to change without notice.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Moving money between your own banks shouldn&#8217;t be complicated or expensive. Here&#8217;s what I learned after managing multiple accounts across two countries. Back in 2015,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[987],"tags":[],"class_list":["post-35983","post","type-post","status-publish","format-standard","hentry","category-money-transfer"],"modified_by":"Mani Karthik","menu_order":0,"_links":{"self":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/35983","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=35983"}],"version-history":[{"count":1,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/35983\/revisions"}],"predecessor-version":[{"id":35984,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/35983\/revisions\/35984"}],"wp:attachment":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media?parent=35983"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/categories?post=35983"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/tags?post=35983"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}