Some banks, notably Tinkoff and Alfa‑Bank, allow account opening with only a passport and a temporary address registration (e.g., hotel or hostel). The account comes with a virtual card that can be used for online purchases immediately. Physical cards are mailed to the provided address within 5‑7 business days. These accounts have no minimum balance requirement, making them suitable for tourists and short‑term business travelers. Fees are transparent and can be waived for the first six months.