What is the ruling on one who deposits his money in the bank, and how does he get rid of the interest of riba?
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The Shaykh : Listen, Abu 'Abdullah. If someone said to your father, "This money, you do not benefit from it," up to what you mentioned, the answer is to advise your father not to deposit his money in the bank at all, even if he does not take the riba. Otherwise, if it is said to the one who deposits his money in riba, "Do not benefit from the riba," this implies that there is no objection to depositing your money in a riba bank as long as you do not eat the riba. This is the very error, because the Prophet (peace and blessings be upon him) used to say: Al-Mustadrak lil-Hakim 15:4 So, for example, your father in the question does not eat the riba, but he feeds it to others.
The questioner : Meaning, he does not eat it and does not feed it to anyone else?
The Shaykh : He feeds it to the bank. May Allah bless you. So, if the one who issued the fatwa to you, as mentioned earlier, said that it is obligatory for you not to deal with the bank at all, even if you do not take the riba, then by advising him, the rest is up to the father, which is to accept the advice. But many people handle matters by way of half-measures. So, after he knows that it is not permissible to eat the riba or to feed it to others, he tells you, "It is enough for me that I eat what I eat; as for me benefiting the bank, Allah is Forgiving and Merciful." Then comes the second question: what does he do with this riba that is given to him? The form you mentioned is not permissible, because this forbidden money is not permissible for a specific person to benefit from, even if he is poor. Rather, this money is to be spent in what the jurists call public utilities, meaning such that the benefit does not return to a specific person. So, the form of the car you depicted or mentioned earlier, a specific person benefits from it, and this is not permissible.
The questioner : The question my brother Ahmad mentioned: is the bank the one who eats and the one who feeds? And the one who puts his money in the bank... is he the same?
The Shaykh : No, he is not the one who eats and the one who feeds; he is only the one who feeds. As long as he does not take the riba, he is not the one who eats, but by offering his money and placing it in the bank, he is feeding the riba to another, which is the bank.
The questioner : As for the bank, it is both the one who eats and the one who feeds.
May Allah curse the one who eats riba and the one who feeds it.
لعن الله آكل الربا وموكلهThe questioner : Meaning, he does not eat it and does not feed it to anyone else?
The Shaykh : He feeds it to the bank. May Allah bless you. So, if the one who issued the fatwa to you, as mentioned earlier, said that it is obligatory for you not to deal with the bank at all, even if you do not take the riba, then by advising him, the rest is up to the father, which is to accept the advice. But many people handle matters by way of half-measures. So, after he knows that it is not permissible to eat the riba or to feed it to others, he tells you, "It is enough for me that I eat what I eat; as for me benefiting the bank, Allah is Forgiving and Merciful." Then comes the second question: what does he do with this riba that is given to him? The form you mentioned is not permissible, because this forbidden money is not permissible for a specific person to benefit from, even if he is poor. Rather, this money is to be spent in what the jurists call public utilities, meaning such that the benefit does not return to a specific person. So, the form of the car you depicted or mentioned earlier, a specific person benefits from it, and this is not permissible.
The questioner : The question my brother Ahmad mentioned: is the bank the one who eats and the one who feeds? And the one who puts his money in the bank... is he the same?
The Shaykh : No, he is not the one who eats and the one who feeds; he is only the one who feeds. As long as he does not take the riba, he is not the one who eats, but by offering his money and placing it in the bank, he is feeding the riba to another, which is the bank.
The questioner : As for the bank, it is both the one who eats and the one who feeds.
Source
www.al-albany.com
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