The ruling on withdrawing an amount from the bank that is deducted from the salary
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The questioner:
He says: Honorable Shaykh, may Allah grant you success, 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 them, you can withdraw them at any time, and then the bank deducts them from the salary in the following month without interest. What is the ruling on this?
The Shaykh:
That is, the bank lends you, the bank lends you and collects from your salary, the bank lends you and collects from your salary without interest. It has no interest because it invests your salary, because it invests your salary. And this is what attracts you: that it invests your salary until you request it, and then gives it to you. This is a loan that brings benefit to the bank. The bank lent you 500 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 riba (usury or interest) of the loan. Riba of the loan. And the Prophet (peace and blessings be upon him) saysBulugh al-Maram 7:99. Yes.
The questioner:
He says: Honorable Shaykh.
The Shaykh:
We told you that most people today do not care about riba; they consider it an immediate matter, especially banks. Banks do not care about riba and do not know riba. Yes.
The questioner:
He says: Honorable Shaykh, may Allah grant you success, what about the associations that are among employees and teachers?
The Shaykh:
So do not accept these five hundred, and do not take from the bank anything other than your salary only, any benefit. Take your head with the major [sin] and that is enough.
He says: Honorable Shaykh, may Allah grant you success, 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 them, you can withdraw them at any time, and then the bank deducts them from the salary in the following month without interest. What is the ruling on this?
The Shaykh:
That is, the bank lends you, the bank lends you and collects from your salary, the bank lends you and collects from your salary without interest. It has no interest because it invests your salary, because it invests your salary. And this is what attracts you: that it invests your salary until you request it, and then gives it to you. This is a loan that brings benefit to the bank. The bank lent you 500 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 riba (usury or interest) of the loan. Riba of the loan. 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:
He says: Honorable Shaykh.
The Shaykh:
We told you that most people today do not care about riba; they consider it an immediate matter, especially banks. Banks do not care about riba and do not know riba. Yes.
The questioner:
He says: Honorable Shaykh, may Allah grant you success, what about the associations that are among employees and teachers?
The Shaykh:
So do not accept these five hundred, and do not take from the bank anything other than your salary only, any benefit. Take your head with the major [sin] and that is enough.
Source
قناة «العلامة الدكتور صالح الفوزان»، 055 من 123 / شرح كتاب زاد المستقنع / البيع / الربا والصرف / صالح الفوزان / الفقه / كبار العلماء — youtube.com (55:31)
The Arabic text is a machine transcription of the audio recording.