Many banks allow non‑residents to open a basic account without a permanent address, provided they have a passport and a valid visa. Tinkoff, Alfa‑Bank, and Rosbank offer streamlined online procedures. The account comes with a debit card, access to internet banking, and the ability to receive transfers in rubles and foreign currencies. Some banks charge a monthly maintenance fee, while others waive it with a minimum balance. Having a Russian account simplifies paying for accommodation, utilities, and local services.