Freelancers working for Russian clients often receive payments through Payoneer or Wise (formerly TransferWise). Both platforms support receiving RUB payments and converting them into dozens of currencies at near‑mid‑market rates. Wise offers a local Russian bank account detail (RU‑XXXX) that can be shared with clients for direct transfers. Payoneer provides a prepaid MasterCard that can be used for online purchases or cash withdrawals. Fees are transparent: Wise charges about 0.35% + a small fixed fee, while Payoneer takes 2% on currency conversion.