If you travel outside the Kingdom and request an amount via an automated withdrawal card, it gives you an amount in that country's currency, but it is not deducted from your balance.
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The questioner : If you travel outside the Kingdom and request an amount via an automated withdrawal card, it gives you an amount in that country's currency, but it is not deducted from your balance until several days later. Is there an exchange of possession in this?
The Shaykh : There is no exchange of possession in this, because the taking of possession is delayed. If one needs the currency of the country he is traveling to, we say: buy the currency of the country you are traveling to in your own country, then hand it over to the bank and tell them to transfer it to such-and-such a country. In this way, the transaction is sound. As for agreeing with him that he will exchange the Saudi currency for the currency of the country he is traveling to, with the taking of possession delayed, this is riba al-nasi'ah (usury of deferment), which is not permissible. Yes.
The questioner : A questioner to the program says: O honorable Shaykh.
The Shaykh : There is no exchange of possession in this, because the taking of possession is delayed. If one needs the currency of the country he is traveling to, we say: buy the currency of the country you are traveling to in your own country, then hand it over to the bank and tell them to transfer it to such-and-such a country. In this way, the transaction is sound. As for agreeing with him that he will exchange the Saudi currency for the currency of the country he is traveling to, with the taking of possession delayed, this is riba al-nasi'ah (usury of deferment), which is not permissible. Yes.
The questioner : A questioner to the program says: O honorable Shaykh.