FinTech firms like Revolut, Wise, and TransferWise provide instant conversion from major currencies to Russian rubles at interbank rates. Users can hold RUB balances within the app and pay merchants directly with a virtual card. Fees are transparent: typically 0.5%‑1% of the converted amount. These platforms also support bulk transfers to Russian bank accounts with lower fees than traditional banks. Availability can fluctuate due to regulatory changes, so verify service status before traveling.