Wise (formerly TransferWise) and Revolut provide borderless accounts that can send money to Russian banks at real‑time interbank rates. Users add funds via local debit cards, then initiate a transfer to a Russian IBAN, paying a transparent fee of 0.5%‑1%. The recipient receives rubles directly into their bank account, avoiding hidden markup. Both apps support instant currency exchange, making them ideal for freelancers paid in foreign currencies. However, regulatory caps may limit the maximum amount per transaction.