The ruling on receiving salaries from banks via transfer
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:
This is permissible if you transfer your right from the government or from someone who transfers it to the bank, and you take your right. There is no harm in this, because you are not dealing with the bank; you are going to take your right that was sent via the bank. Your right contains no riba (usury or interest) and no harm. However, if you deal with the bank in a transaction involving riba and harm, 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 cash it at Al-Rajhi Bank in exchange for 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 ta'wil (figurative interpretation) of riba. They say this is a fee or expenses. This is all idle talk. No, the day they give you the full salary and take it from the bank, they transfer it but without taking an increase. A transfer does not involve an increase. Or a capability between them. This. The Shaykh from the other Riyadh. No, this is a ta'wil of riba. They say these names are for the purpose of deceiving regarding riba. This is a fee, expenses, and how is that?
The presenter:
Hmm. To.
The Shaykh:
You are not forced to do this, if Allah wills. What makes you forced to do it?
The presenter:
He says to you, welcome.
The Shaykh:
Hmm?
The presenter:
Or who is this.
The Shaykh:
The one who knows that Al-Rajhi’s interests do not take anything, transfer to them without anything. So be patient with them and transfer, and their branches are everywhere. If they started taking recently, if this is recent, it does not need research. Unless you are a client of theirs, meaning your money is with them. Then they do not take. But if you come to cash it from outside, you take it in exchange for these papers. In any case, this needs research. Taking on a transfer 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.
What is the ruling on receiving salaries from banks in general, using the method of checks?
The Shaykh:
This is permissible if you transfer your right from the government or from someone who transfers it to the bank, and you take your right. There is no harm in this, because you are not dealing with the bank; you are going to take your right that was sent via the bank. Your right contains no riba (usury or interest) and no harm. However, if you deal with the bank in a transaction involving riba and harm, 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 cash it at Al-Rajhi Bank in exchange for 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 ta'wil (figurative interpretation) of riba. They say this is a fee or expenses. This is all idle talk. No, the day they give you the full salary and take it from the bank, they transfer it but without taking an increase. A transfer does not involve an increase. Or a capability between them. This. The Shaykh from the other Riyadh. No, this is a ta'wil of riba. They say these names are for the purpose of deceiving regarding riba. This is a fee, expenses, and how is that?
The presenter:
Hmm. To.
The Shaykh:
You are not forced to do this, if Allah wills. What makes you forced to do it?
The presenter:
He says to you, welcome.
The Shaykh:
Hmm?
The presenter:
Or who is this.
The Shaykh:
The one who knows that Al-Rajhi’s interests do not take anything, transfer to them without anything. So be patient with them and transfer, and their branches are everywhere. If they started taking recently, if this is recent, it does not need research. Unless you are a client of theirs, meaning your money is with them. Then they do not take. But if you come to cash it from outside, you take it in exchange for these papers. In any case, this needs research. Taking on a transfer 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.
Source
الفوزان -أشرطة- أسئلة وأجوبة من دروس التوحيد - الفوزان - أسئلة وأجوبة - 03 — archive.org (16:27)
The Arabic text is a machine transcription of the audio recording.