Planning a trip abroad is always exciting – the sights to see, the food to try, and the adventures that await. But if you’re a Russian traveler, you might be wondering one crucial thing: how can you pay for things once you leave home?
With recent changes in banking and international sanctions, payment methods abroad have shifted, leaving many to ask, “Will my card work overseas?”
Over the past couple of years, international sanctions have impacted how Russian-issued credit and debit cards function abroad. Major global networks like Visa and Mastercard suspended operations in Russia, which means Russian travelers can’t rely on their local cards as they used to. This has created some hurdles, but like all savvy travelers, Russian tourists are finding new ways to adapt.
Mir Payment System
Mir, Russia’s domestic payment system, is introduced by the Central Bank of Russia, as an alternative to VISA and Mastercard. It has been gaining traction internationally. This makes Mir one of the simplest and most reliable options for Russian tourists visiting these destinations.
MIR cards are accepted in ten countries: Abkhazia, Turkey, Vietnam, Armenia, Uzbekistan, Kazakhstan, Belarus, Kyrgyzstan, Tajikistan, and South Ossetia.
In Turkey, MIR payment system cards are currently accepted by five banks in Turkey. These banks are Türkiye İş Bankası, Ziraat Bankası, VakıfBank, DenizBank, and Halkbank.
Pro Tip:
Before booking your trip, double-check whether your destination accepts Mir. The list is growing, so more countries are likely to join soon.
UnionPay: A Global Backup
If you’re heading somewhere Mir can’t reach, UnionPay—the Chinese payment network—is your next best bet. Russian banks have started issuing UnionPay cards, which work across much of Asia, Europe, and even parts of the U.S.
UnionPay is particularly useful in countries where Chinese tourists are common, as many merchants and ATMs are already equipped to accept these cards. Some airlines, such as Iberia, also accept UnionPay. If you don’t already have one, it’s worth applying for one well ahead of your trip.
Where UnionPay Available:
•Asia (China, Thailand, Japan)
•Europe (Germany, Italy)
•North America (select retailers in the U.S.)
Cash Is Still King
Let’s not forget the good old-fashioned method – cash. While carrying large amounts isn’t always ideal, it can be a lifesaver in places that don’t accept Mir or UnionPay.
Tips for Handling Cash Abroad:
•Exchange money at trusted banks or exchange services before departure.
•Always carry a mix of U.S. dollars and euros – they are widely accepted globally.
•Split your cash into different compartments or wallets to avoid losing everything at once.
Cryptocurrency: The Tech-Savvy Option
Crypto is becoming an increasingly popular method for international transactions, especially for tech-savvy travelers. Some hotels, restaurants, and even tour agencies now accept cryptocurrency. Platforms like Binance and Coinbase allow users to purchase directly or convert crypto into local currencies.
Remember:
Crypto can be volatile, so keep track of exchange rates and ensure you have stablecoins (like USDT) to minimize risk.
Prepaid International Cards
Many fintech companies offer prepaid international cards that are not tied to Russian banks. These cards can be loaded with money before departure and used in most countries. They are an easy workaround for those looking for simple payment solutions.
Some popular options include:
•Revolut – Available in many countries and easy to manage via app.
•Wise (formerly TransferWise) – Great for international currency exchange and spending.
•Payoneer – Popular for freelancers and travelers alike.
Contactless Payment Apps
In some destinations, contactless apps like Apple Pay, Google Pay, and Samsung Pay can still work – but only if linked to an international bank account or non-Russian card. If you have connections abroad or maintain foreign accounts, linking them to these apps provides seamless transactions.
Destinations That Welcome Russian Payments
While payment restrictions have posed challenges, several countries remain open and welcoming to Russian tourists, ensuring easier financial transactions.
Top Destinations Accepting Russian Payment Systems:
•Turkey – Accepts Mir widely across hotels, restaurants, and ATMs.
•Vietnam – Many tourist areas now accept Mir cards.
•United Arab Emirates – Some locations accept UnionPay and cash is widely used.
•Thailand – UnionPay is accepted in major tourist areas.
Plan Ahead for Smooth Travels
The key to stress-free payments abroad is preparation. Here are a few final tips to keep in mind before you pack your bags:
- Research Your Destination’s Payment Policies – Knowing which cards work where can save you headaches later.
- Carry Multiple Forms of Payment – A combination of cash, Mir, UnionPay, and possibly crypto ensures you’re covered.
- Stay Informed About Banking Updates – Payment systems are evolving, so stay updated on the latest banking news before traveling.
- Notify Your Bank – Inform your bank of travel plans to avoid suspicious activity holds.
The Bottom Line
Traveling as a Russian tourist might require a little more planning these days, but it shouldn’t stop you from exploring the world. With the right mix of payment options and a little preparation, you can enjoy international adventures without a hitch.
So, book that flight, pack those bags, and get ready to experience all the incredible places waiting for you. Payment woes aside, the world is still yours to explore!
Photo Credit: ID 195249196 © Sergey Tolmachyov | Dreamstime.com
