Russian banks like Tinkoff and Russian branches of international banks now offer multi‑currency accounts that hold RUB, USD, EUR and GBP simultaneously. Account holders can switch balances instantly within the bank’s app, paying for Russian expenses in RUB while keeping earnings in foreign currencies. The accounts come with a single IBAN and support SWIFT, SEPA and domestic transfers. Fees are low—a monthly maintenance of 100 RUB and a 0.3% FX markup on conversions.