The Russian “Fast Payments System” (FPS) enables near‑real‑time transfers between participating banks, 24 hours a day. Foreigners with a local card can send money to any other Russian bank account using only the recipient’s phone number or card number. Transactions are processed within seconds and cost a flat fee of 30 RUB. The service is accessible through mobile apps of banks like Tinkoff, Alfa‑Bank and Sberbank, making intra‑country transfers fast and cheap.