Tinkoff Mobile and SberOnline mobile applications have English interfaces and allow users to receive international transfers, pay utilities, and manage debit cards. Foreign users can link their foreign cards for top‑ups, with a 2% conversion fee. The apps support QR‑code payments in stores, making cashless purchases seamless. Both banks offer virtual cards that can be generated instantly for online shopping. Security features include biometric login and real‑time transaction alerts.