The ruling on transferring currency from one country to another

The questioner:
The Shaykh may come. May Allah greet you. The question was written about transferring money from one country to another. There has been a lot of questioning about converting currency from one country to another for the purpose of an obligation.

The Shaykh:
The difference.

The questioner:
From the larger to the woman.

The Shaykh:
What is the difference? Is it permissible to transfer currency from one country to another? What prevents this? One transfers dollars from Riyadh to America via a merchant or a bank, because if he carried it with him, he would fear it being lost or stolen. Hawalah (transfer of debt) is originally permissible in the Shari'ah. What is prohibited is if he hands over dirhams in this country and receives dollars in exchange in the other country. This is what is prohibited because this is sarf (currency exchange) with delayed possession. As for transferring the same currency and receiving the same currency in another country, there is no impediment.

Another questioner:
Even if by drinking.

The Shaykh:
Yes, even if he hires him, that is fine.

Another questioner:
Yes. Yes. He greets him without...

The Shaykh:
No, this is not permissible because this is sarf (currency exchange). You handed him riyals here and he handed you pounds in exchange in Sudan. This is sarf, which is not permissible except that you take the Sudanese pounds from here and go with them there, or you go with the Saudi riyals and exchange them for Sudanese pounds there.

Another questioner:
If I need expenses, I cannot go.

The Shaykh:
No, it is not suitable, meaning that you...

Another questioner:
If he takes a check in exchange for something.

The Shaykh:
It is not suitable. A check is not possession; it is not considered possession. It is merely a document. Yes.

Another questioner:
Meaning, if the transfer is from pressure to pressure to pressure.

The Shaykh:
It is considered [permissible] if you hand over the currency and he hands it to you in the country; there is no harm. But if he hands it to you in exchange in the other country...

Another questioner:
My dear. A check on yourself.

The Shaykh:
A check is not considered [possession]; it is merely a document.

Another questioner:
Meaning, if we transfer via the banks, we suffer a loss. Meaning, if the riyal is not converted to fifty...

The Shaykh:
The important rule is that you transfer the currency you want to transfer to any country you wish. As for transferring a currency and receiving a different one in exchange in another country, this is sarf (currency exchange), which is not permissible except with immediate exchange.