Is it permissible to transfer one's salary to a non-Islamic bank, such as Bank of Jordan, and benefit from a bonus issued via a credit card, provided that both the salary and the bonus are withdrawn immediately and the card is not used in the future?
It is not permissible to transfer one's salary to a usurious bank—even with the intention of immediate withdrawal—as long as Islamic banks exist. This is because ease of transactions and widespread branches do not constitute a justification for it. Furthermore, a bank offering a bonus to anyone who transfers their salary to it is considered an additional usurious transaction. The funds deposited in usurious banks are, in reality, a loan from the money's owner to the bank, and it is not permissible for the lender to receive any stipulated benefit from the borrower. One must promptly transfer their salary to an Islamic bank and disregard offers from usurious banks.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
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- Original fatwa ID
- 167111
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- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy