The exchange of currencies by card or transfer

Question:
He says, to complete the question: Honorable Shaykh, if they are different types and the condition of immediate exchange is required, is it sufficient to use an ATM card or the phone to transfer directly to the seller's account?

Answer:
This is absent from the gathering, and the Prophet (peace and blessings be upon him) said: This is absent from the gathering. The currencies must be present in the gathering, hand to hand. You hand over the currency and take its equivalent, and you are in the gathering. As for what is absent, this is absent. Yes.