Foreign residents can open a local debit account at major Russian banks such as Sberbank, VTB, or Tinkoff. The process usually requires a passport, migration card, and a Russian tax identification number (INN). Most banks issue Visa or Mastercard chips that work both online and offline. Fees are competitive, with free maintenance for the first year for many expat packages. Having a Russian bank card simplifies bill payments, cash withdrawals, and everyday purchases.