The Ruling on Transferring Salaries from Banks and the Assignment of Debt
Machine translationRead the Arabic original
The questioner:
What is the ruling on receiving salaries from banks in general, using the method of checks?
The Shaykh:
If you transfer your right from the government or from someone else to a bank, and you take your right, there is no harm. This is because you did not deal with the bank; you go and take your right that was sent via the bank, and your right contains no riba (usury or interest). However, if you deal with the bank in a riba-based manner, that is what is not permissible.
The questioner:
Sometimes the disbursement of the salary from the bank to which it was transferred is delayed, so I am forced to withdraw it from Al-Rajhi Bank for a fee of ten riyals.
The Shaykh:
This is not permissible. That is, Al-Rajhi Bank gives you your salary on the condition that it takes it from the bank it was transferred to with an increase. This is riba, and it is not permissible. No, no, this talk is a figurative interpretation (ta'wil) of riba. They say this is a procedure or fees. This is all idle talk. No, on the day it gives you the full salary and takes it from the bank, it is
The presenter:
By the power of Allah, by the power of Allah.
The Shaykh:
It transfers it, but without taking an increase. The assignment of debt (hawalah) does not involve an increase.
The questioner:
As a wage from hands, or as a wage from hands, or from a person among them.
The Shaykh:
No, this is a figurative interpretation (ta'wil) of riba. They say these names are for the purpose of deceiving regarding riba. This is a wage, fees, and how is that? Um. You are not in need of it, if Allah wills. What makes you in need of it? Welcome in any country. Ha? Transfer. The one who knows that Al-Rajhi banks do not take anything, transfer to them without anything. Go to them and transfer, and their branches are everywhere.
The presenter:
Yes.
The Shaykh:
If it has become so recently, if this is recent, it does not need research. Unless you are.
The questioner:
Humaym al-Nu'man. The loyalty with them, they do not eat, but you go from outside and you take from the risk of these papers.
The Shaykh:
In any case, this needs research. Taking on the assignment of debt needs research. I do not say now that it is permissible. The default is that it is not permissible, but it needs research to be sure. Yes.
What is the ruling on receiving salaries from banks in general, using the method of checks?
The Shaykh:
If you transfer your right from the government or from someone else to a bank, and you take your right, there is no harm. This is because you did not deal with the bank; you go and take your right that was sent via the bank, and your right contains no riba (usury or interest). However, if you deal with the bank in a riba-based manner, that is what is not permissible.
The questioner:
Sometimes the disbursement of the salary from the bank to which it was transferred is delayed, so I am forced to withdraw it from Al-Rajhi Bank for a fee of ten riyals.
The Shaykh:
This is not permissible. That is, Al-Rajhi Bank gives you your salary on the condition that it takes it from the bank it was transferred to with an increase. This is riba, and it is not permissible. No, no, this talk is a figurative interpretation (ta'wil) of riba. They say this is a procedure or fees. This is all idle talk. No, on the day it gives you the full salary and takes it from the bank, it is
The presenter:
By the power of Allah, by the power of Allah.
The Shaykh:
It transfers it, but without taking an increase. The assignment of debt (hawalah) does not involve an increase.
The questioner:
As a wage from hands, or as a wage from hands, or from a person among them.
The Shaykh:
No, this is a figurative interpretation (ta'wil) of riba. They say these names are for the purpose of deceiving regarding riba. This is a wage, fees, and how is that? Um. You are not in need of it, if Allah wills. What makes you in need of it? Welcome in any country. Ha? Transfer. The one who knows that Al-Rajhi banks do not take anything, transfer to them without anything. Go to them and transfer, and their branches are everywhere.
The presenter:
Yes.
The Shaykh:
If it has become so recently, if this is recent, it does not need research. Unless you are.
The questioner:
Humaym al-Nu'man. The loyalty with them, they do not eat, but you go from outside and you take from the risk of these papers.
The Shaykh:
In any case, this needs research. Taking on the assignment of debt needs research. I do not say now that it is permissible. The default is that it is not permissible, but it needs research to be sure. Yes.
Source
الفوزان -أشرطة- أسئلة وأجوبة من دروس التوحيد - الفوزان - أسئلة التوحيد - ٣ — archive.org (15:37)
The Arabic text is a machine transcription of the audio recording.