The ruling on working for a bank with a salary increase and its subsequent deduction
Machine translationRead the Arabic original
The questioner:
He says: Honorable Shaykh, my salary is transferred to one of the banks, and this bank offers some services to its customers. For example, if the salary is six thousand riyals, the bank adds two thousand riyals to your account. If you need it, you can withdraw it at any time, and then the bank deducts it from the salary in the following month without interest. What is the ruling on this?
The Shaykh:
That is, the bank fires you, the bank fires you and recovers from your head, the bank expels you and takes the salary without interest. No, it has no interest because it invests your salary; it invests your salary. And this is what attracts you: that it invests your salary until you request it, so that it can give it to you. This is a loan that brings benefit to itself. The bank approved it at five hundred to bring benefit to itself, which is that it invests your salary during the period in which you did not take it. O brothers, this is considered one of... riba al-qard (usury of deferment), riba al-qard (usury of deferment), and the Prophet (peace and blessings be upon him) saysBulugh al-Maram 7:99, yes.
The questioner:
Honorable Shaykh, you say that is not possible from people.
The Shaykh:
Perhaps today they do not care about riba; they consider it an ordinary thing, especially banks. Banks do not care about riba and do not know riba. Yes.
He says: Honorable Shaykh, my salary is transferred to one of the banks, and this bank offers some services to its customers. For example, if the salary is six thousand riyals, the bank adds two thousand riyals to your account. If you need it, you can withdraw it at any time, and then the bank deducts it from the salary in the following month without interest. What is the ruling on this?
The Shaykh:
That is, the bank fires you, the bank fires you and recovers from your head, the bank expels you and takes the salary without interest. No, it has no interest because it invests your salary; it invests your salary. And this is what attracts you: that it invests your salary until you request it, so that it can give it to you. This is a loan that brings benefit to itself. The bank approved it at five hundred to bring benefit to itself, which is that it invests your salary during the period in which you did not take it. O brothers, this is considered one of... riba al-qard (usury of deferment), riba al-qard (usury of deferment), and the Prophet (peace and blessings be upon him) says
Every loan, which leads to a benefit, is usury.
كُلُّ قَرْضٍ جَرَّ مَنْفَعَةً فَهُوَ رِبًاThe questioner:
Honorable Shaykh, you say that is not possible from people.
The Shaykh:
Perhaps today they do not care about riba; they consider it an ordinary thing, especially banks. Banks do not care about riba and do not know riba. Yes.
Source
قناة «العلامة الدكتور صالح الفوزان»، 141/76 شرح زاد المستقنع/ صالح الفوزان — youtube.com (25:12)
The Arabic text is a machine transcription of the audio recording.