Wise offers a multi‑currency account that provides a Russian ruble IBAN‑like number for receiving payments. Foreigners can generate a local Russian bank‑account detail without opening a physical account. Funds can be transferred instantly to other Wise users or withdrawn to local cards. The service charges a low, transparent fee and uses the mid‑market exchange rate. Wise is useful for freelancers and digital nomads who need to get paid by Russian clients.