What is the ruling on transferring money to another person so that it can be received in local currency for a commission, given the delay in receipt, and is this considered riba al-nasī'ah (usury of delay) in light of the absence of any other method for withdrawing money?

If what transpires between you and the other person is the purchase of foreign currency with local currency (exchange), then it is obligatory for possession to take place at the contracting session, either actual possession (hand-to-hand) or constructive possession. Among the forms of constructive possession that are considered valid شرعًا (Islamically) and عرفًا (customarily) are: a bank credit of a sum of money to the customer's account directly or via a bank transfer, or if the customer concludes an immediate exchange contract with the bank. A delay in the bank credit for customarily accepted periods is excused, provided that the beneficiary does not dispose of the currency during this period until after the effect of the bank credit is achieved, allowing for actual receipt. If possession is impossible and its delay is unavoidable, then may there be no accountability due to necessity, for necessities permit the prohibited, as stated in His Almighty's saying: "And He has already explained to you what He has forbidden to you, except for that to which you are compelled."