To open a bank account remotely, foreign users must complete a digital KYC process using video calls and electronic document upload. Services like “Banki.ru” and “Fincheck” partner with Russian banks to streamline verification. The process includes facial recognition, passport scanning, and proof of address. Once approved, the user receives a digital banking card that can be added to mobile wallets. This innovation reduces the need for in‑person visits, especially useful for long‑term expatriates.