Is it permissible to deposit a sum of money with a transfer company to be received after two months without fees, in order to avoid the risk of theft during its transfer?
If the agreement is limited to depositing the amount and receiving it in another city, then this is a permissible draft (suftajah). However, the condition that the amount cannot be received until after two months creates an issue with the contract, due to the possibility of the company benefiting from the money. This invalidates a loan if it brings a benefit to the lender, thus resembling usury (riba) according to the majority of scholars. Therefore, it is advisable to avoid this transaction, unless the transfer fee is excessively high, or the questioner is compelled to transfer due to widespread fear on the roads. In such a case, the transaction is exceptionally permitted out of necessity.
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