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Russia (RU)

The world's largest country, spanning Europe and Asia, with deep cultural institutions, large cities, strong public transport, complex bureaucracy, sanctions-affected banking, strict migration registration, and a demanding but sometimes affordable expat experience.

Capital: Moscow
Region: Europe
Language: Russian
Currency: RUB (₽)
Cost of living: Very affordable (index 38)
Emergency: 112
Free
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Currency & Money

Practical money tips for living in Russia.

₽
Russian ruble
RUB

Denominations

Coins: 1, 2, 5, 10 rubles and kopecks. Notes: 10, 50, 100, 200, 500, 1,000, 2,000, 5,000 rubles.

Payment Culture

Domestic payments are highly digital inside Russia, but foreign-issued Visa/Mastercard generally do not work in Russia after sanctions. Newcomers rely on cash, Russian-issued Mir cards, SBP instant transfers and local bank apps.

ATM Tips

Use ATMs inside bank branches, keep emergency cash, and plan cash access before leaving Moscow or Saint Petersburg. International transfers and foreign-currency withdrawals can be restricted for residents of sanctioning countries.

Exchange Tips

Bring clean banknotes if carrying cash, keep customs/bank receipts for larger sums, compare official bank rates, and avoid informal exchangers. RUB volatility and compliance rules can change quickly.

Pro tip: Best apps for expats

  • • Wise — Send money internationally at near-interbank rates
  • • Revolut — Multi-currency account, free ATM withdrawals (limits apply)
  • • N26 — German IBAN, free account, good for EU residents