my friends simcard

I opened a bank account last year 2024, have money there, using the simcard I bought in the airport, but the simcard is now ivalid.
I will be in Moscow again this summer - but only for 2-3 weeks not enough to go through the hazle of getting a Russian Simcard in my name… so will borrow a friends, however can I use that for my bank acc and MIR card ? Since my briends simcard obviously is not in my name !!!
What other services can’t I not use my friends simcard for…???
I have my laptop with me for emails and such… … so use mobile for on the move sms, whats app… calls and being called as well as yandex services, like finding your way, book a taxi, and maybe the hotel needs it for me to connect to their wifi (???)…
Any other things I cant do with a friends sim card that I can do withmy own?

SFP will be not possible (money via phone number). But there are enough ways around it. Check yoomoney in Russia. A verified one gives you more possibilities. For internet holafly is ok.