What is the ruling on taking an advance from a bank for a fixed fee, to be deducted from the upcoming salary?

Withdrawing money from the bank when the account balance is zero is considered a loan, and any increase stipulated by the lender on the loan is religiously forbidden because it is usury (riba). As for the fees taken by the bank for the actual costs of the withdrawal process, they are permissible, provided that they do not exceed the actual service charge and are not linked to the loan amount or its duration; otherwise, it would be forbidden usury. The International Islamic Fiqh Academy has issued a fatwa permitting fixed fees on cash withdrawals with an uncovered credit card if they do not constitute a usurious increase.