Buying gold via bank transfer without physical exchange

Question:
Honorable Shaykh, may Allah grant you success. He says: I want to buy gold, but I do not carry cash with me. Rather, I will go to the gold shop and withdraw the money via the network from the gold owner's shop, so it enters his account. Is that permissible?

Answer:
Some have issued a ruling that if it enters the account, it is considered possession. Some have issued a ruling to this effect, and I recall that the Fiqh Council in Makkah issued a ruling to this effect, but there is a point of concern. The Messenger (peace and blessings be upon him) said , and he said hand to hand . So there is no doubt that what the soul is reassured by is that physical exchange is necessary, exchange by hand. It is not exchange by check, or by the certified check they speak of, or by withdrawal, or not hand to hand. Yes. , this is absent. The one you withdrew for is absent; he is not present in the assembly, and you do not hand it over. Yes.