For transfers, so that I can transfer my money through the bank, I can go, for example, to Jordan, or if I am a merchant and I want to send money to people.
Machine translationRead the Arabic original
The questioner : For transfers, so that I can transfer my money through the bank, I can go, for example, to Jordan, or if I am a merchant and I want to send money to people.
The Shaykh : Yes.
The questioner : So there is no doubt that I need these banks. For example, I want to transfer money to a certain place or a certain store.
The Shaykh : Yes.
The questioner : I bought something from them, and they sent me the goods, so I want to send them money. Is there any harm in this?
The Shaykh : If the means you are describing, which is hand-to-hand delivery, is available, then dealing with the bank is not permissible at all. But if one is compelled to deal with them, he must adopt a means such that the money does not remain with them for a long time. We tell some of our brothers here who are compelled to transfer checks to the bank that the one who wants to deposit a check in the bank, at the time of deposit, must inform you so that you immediately go and...
The questioner : take it.
The Shaykh : obtain it.
The questioner : Yes.
The Shaykh : so that the bank does not benefit from this transfer. Here are matters we must mention regarding two rules: dire necessity permits the prohibited, and dire necessity is measured by its extent. So it is not permissible for a Muslim who is able to avoid what is not lawful except out of dire necessity to make it lawful for other than dire necessity. Is this clear?
The questioner : Clear.
The Shaykh : That is, it is not permissible to eat carrion when one is able, through a convenient means, to obtain what is lawful. But if what is lawful is not made available to him, then at that point...[Al-An'am 6:119]...one must adhere to both principles: dire necessity permits what is prohibited, and dire necessity is measured by its extent. If it is possible to transfer funds without dealing with the bank, that is the default ruling. For example, a man might say on the phone, "Give so-and-so this amount; it has no connection to the bank, and I will give your client in his other country, whom you will lend to so-and-so." This solves the problem, but this may not be made available to everyone.
The questioner : Yes.
The Shaykh : So it revolves around this rule and its companion: dire necessity permits the prohibited, and dire necessity is measured by its extent.
The questioner : Shaykh, in some banks there are boxes for safekeeping.
The Shaykh : Yes, that is correct.
The questioner : They do not take anything from you, and they do not work, and the key and the key to the box are in your hand.
The Shaykh : No. They take a fee from you.
The questioner : They take a fee from you.
The Shaykh : Yes, that is correct.
The questioner : for this box.
The Shaykh : Yes, this is a solution. This is a solution, but the merchants do not agree to it. Why? Because they want the commission to be easy, to get it every hour. Otherwise, this is the solution instead of the box we mentioned, until the millionaire is able to find it. This is the solution: that it be placed in a box where the meaning you pointed to is realized, which is that the hand of usury or interest does not reach it.
The questioner : Yes.
The Shaykh: The millionaire who devised this solution is that it should be placed in a box in which the meaning I referred to is realized, which is that the hand of usury does not reach it.
The questioner : Yes.
The Shaykh : This is a way out.
The questioner : Yes.
The Shaykh : But in reality, in some countries, this does not exist. This box, which they call the safe deposit box, does not exist.
The questioner : Yes.
The Shaykh : Here, I think it is in...
Another questioner : It is available in some banks.
The Shaykh : Ah.
The questioner : The other: They warned about this aspect. These private people use them. They said, "We do not give the box except to one who has a balance with us."
The Shaykh : Ah, look, they have spoiled it.
The questioner : How, Shaykh?
Another questioner : Some of the banks here...
The Shaykh : Allahu Akbar.
Another questioner : that the people who are staying can take the box and rent it to put in it. This box is originally for money or important documents, like plans or land deeds.
The Shaykh : There is no power and no strength except by Allah.
The questioner: Okay
Another questioner : So be aware that some people started using it to put money in, so that they do not put it in usury or interest. So they imposed a condition: the one who wants to rent a box from us must have a balance with us.
The questioner : with us.
The Shaykh : Okay, they are putting it in trust, and they are taking a fee as well.
The questioner : Shaykh, we have some banks...
The Shaykh : But this financial greed...
The questioner : We have in some banks, I mean, only, I mean, he, I mean, they take the fee from you, and it is the price, I mean, of this box that they gave you only. I do not know if you took the questions from the brothers. If they allow us, we are staying with you, Shaykh. I have another question. I do not know if the brothers allow me.
The Shaykh : We are now on your account.
The questioner : May Allah reward you with good.
Another questioner : Shaykh, may Allah preserve you. If you allow, regarding the images you mentioned about a person sending the amount and saying to his client, "This is the image, Shaykh." I was surprised a month ago that it exists on a limited scale, as you mentioned. But he deducts something from the money. Is it permissible for him to deduct this part?
The Shaykh : As a fee, there is no objection.
Another questioner : A fee.
The Shaykh : He is not deducting a transfer fee from it.
The questioner : The other: Yes, that is right.
The Shaykh : There is no objection.
The questioner : Yes, may Allah reward you with good.
The Shaykh : Yes.
The questioner : The other: I am the owner of a bookstore, and I transfer to the bookstore and send them the image of this by fax. They take it immediately, and I mean, they only take the fee.
The Shaykh : What do you send them by fax?
The questioner : I send the image of the transfer.
The Shaykh : Yes.
The questioner : The image of the amount that is in the transfer. So the second bookstore performs its role. This, of course, does not take it. It might take it as a loan so that the bank does not benefit from it, and it might benefit from it out of concern for obtaining the money that I mean, I bought books from.
The Shaykh : Yes.
The Shaykh : Yes.
The questioner : So there is no doubt that I need these banks. For example, I want to transfer money to a certain place or a certain store.
The Shaykh : Yes.
The questioner : I bought something from them, and they sent me the goods, so I want to send them money. Is there any harm in this?
The Shaykh : If the means you are describing, which is hand-to-hand delivery, is available, then dealing with the bank is not permissible at all. But if one is compelled to deal with them, he must adopt a means such that the money does not remain with them for a long time. We tell some of our brothers here who are compelled to transfer checks to the bank that the one who wants to deposit a check in the bank, at the time of deposit, must inform you so that you immediately go and...
The questioner : take it.
The Shaykh : obtain it.
The questioner : Yes.
The Shaykh : so that the bank does not benefit from this transfer. Here are matters we must mention regarding two rules: dire necessity permits the prohibited, and dire necessity is measured by its extent. So it is not permissible for a Muslim who is able to avoid what is not lawful except out of dire necessity to make it lawful for other than dire necessity. Is this clear?
The questioner : Clear.
The Shaykh : That is, it is not permissible to eat carrion when one is able, through a convenient means, to obtain what is lawful. But if what is lawful is not made available to him, then at that point...
excepting that to which you are compelled
إلا ما اضطررتم إليهThe questioner : Yes.
The Shaykh : So it revolves around this rule and its companion: dire necessity permits the prohibited, and dire necessity is measured by its extent.
The questioner : Shaykh, in some banks there are boxes for safekeeping.
The Shaykh : Yes, that is correct.
The questioner : They do not take anything from you, and they do not work, and the key and the key to the box are in your hand.
The Shaykh : No. They take a fee from you.
The questioner : They take a fee from you.
The Shaykh : Yes, that is correct.
The questioner : for this box.
The Shaykh : Yes, this is a solution. This is a solution, but the merchants do not agree to it. Why? Because they want the commission to be easy, to get it every hour. Otherwise, this is the solution instead of the box we mentioned, until the millionaire is able to find it. This is the solution: that it be placed in a box where the meaning you pointed to is realized, which is that the hand of usury or interest does not reach it.
The questioner : Yes.
The Shaykh: The millionaire who devised this solution is that it should be placed in a box in which the meaning I referred to is realized, which is that the hand of usury does not reach it.
The questioner : Yes.
The Shaykh : This is a way out.
The questioner : Yes.
The Shaykh : But in reality, in some countries, this does not exist. This box, which they call the safe deposit box, does not exist.
The questioner : Yes.
The Shaykh : Here, I think it is in...
Another questioner : It is available in some banks.
The Shaykh : Ah.
The questioner : The other: They warned about this aspect. These private people use them. They said, "We do not give the box except to one who has a balance with us."
The Shaykh : Ah, look, they have spoiled it.
The questioner : How, Shaykh?
Another questioner : Some of the banks here...
The Shaykh : Allahu Akbar.
Another questioner : that the people who are staying can take the box and rent it to put in it. This box is originally for money or important documents, like plans or land deeds.
The Shaykh : There is no power and no strength except by Allah.
The questioner: Okay
Another questioner : So be aware that some people started using it to put money in, so that they do not put it in usury or interest. So they imposed a condition: the one who wants to rent a box from us must have a balance with us.
The questioner : with us.
The Shaykh : Okay, they are putting it in trust, and they are taking a fee as well.
The questioner : Shaykh, we have some banks...
The Shaykh : But this financial greed...
The questioner : We have in some banks, I mean, only, I mean, he, I mean, they take the fee from you, and it is the price, I mean, of this box that they gave you only. I do not know if you took the questions from the brothers. If they allow us, we are staying with you, Shaykh. I have another question. I do not know if the brothers allow me.
The Shaykh : We are now on your account.
The questioner : May Allah reward you with good.
Another questioner : Shaykh, may Allah preserve you. If you allow, regarding the images you mentioned about a person sending the amount and saying to his client, "This is the image, Shaykh." I was surprised a month ago that it exists on a limited scale, as you mentioned. But he deducts something from the money. Is it permissible for him to deduct this part?
The Shaykh : As a fee, there is no objection.
Another questioner : A fee.
The Shaykh : He is not deducting a transfer fee from it.
The questioner : The other: Yes, that is right.
The Shaykh : There is no objection.
The questioner : Yes, may Allah reward you with good.
The Shaykh : Yes.
The questioner : The other: I am the owner of a bookstore, and I transfer to the bookstore and send them the image of this by fax. They take it immediately, and I mean, they only take the fee.
The Shaykh : What do you send them by fax?
The questioner : I send the image of the transfer.
The Shaykh : Yes.
The questioner : The image of the amount that is in the transfer. So the second bookstore performs its role. This, of course, does not take it. It might take it as a loan so that the bank does not benefit from it, and it might benefit from it out of concern for obtaining the money that I mean, I bought books from.
The Shaykh : Yes.
Source
www.al-albany.com
The Arabic text is copied verbatim from the original source, without any edits.