Mobile applications such as Revolut, Wise, and YooMoney let foreigners convert foreign currency to rubles at competitive rates. Users can load the app with their home‑country card and then pay directly from the app using QR codes or virtual cards. The exchange is executed instantly, and fees are usually lower than at airport kiosks. Keep in mind that Russian regulations limit the amount of rubles that can be held in foreign‑owned e‑wallets. For large sums, it may be more prudent to use a bank transfer.