Foreign visitors can open a non‑resident bank account at major Russian banks such as Sberbank, VTB, or Tinkoff. The process typically requires a passport, a temporary residence registration, and a tax identification number (INN) if staying longer than 30 days. Once approved, the bank issues a debit card linked to the account, allowing ATM withdrawals and POS payments in rubles. Most cards support international chip‑and‑pin standards, so they work in hotels and restaurants without extra fees. Some banks also offer contactless payments via Apple Pay or Google Pay for added convenience.