Bank Transfers and Taking a Fee for Them

Question:
The Shaykh’s Journey: Are bank transfers from one branch to another, for which no fee is charged if I have an account at that bank, considered riba (usury or interest)?

Answer:
The transfer is permissible in the Shari'ah, and that is that you transfer money to an account you have elsewhere; transferring one amount is fine, whether through a bank or otherwise. However, one may ask about taking a fee for the transfer. The transfer is a contract of service, they say, a contract of service, so it is not permissible to take a fee for it.
But they say that the bank takes this amount in exchange for its work, because it uses machines, paperwork, and other things, and the person who opens the account takes it in exchange for his work, and he is not taking a fee for the transfer, but rather a fee for the procedures he performs. This has a basis in reasoning and validity. Yes.