What is the ruling on an office for transferring money to another country that gives a reward to a person instead of taking a fee, so that it may benefit from recovering its balance from that country?

Transferring money to another country takes three forms:

1. The first form: The office itself transfers the money. This is permissible and is considered a ju'alah (commission/reward) contract. 2. The second form: The office has funds in the other country. It takes money from the person who wishes to transfer and gives them a hawalah (draft/remittance order) to receive an amount in the other country in a different currency. This is a sarf (currency exchange) contract and an ijara (paid agency) contract. It is stipulated that the hawalah must be official (from a bank or an official exchange office) and that the exchange must be immediate (taqabud). The office may waive the agency fee or give the sender a reward. It is not permissible to deliver the money in the same currency to avoid the suspicion of a loan that brings benefit (qard yajur nafa'an). 3. The third form: The office takes the money as a loan and repays it in the other country in the same currency. This is suftajah (bill of exchange/promissory note) and is permissible according to the preponderant opinion. It offers a benefit to both parties, but it is not permissible for the office to give a reward to the sender, as that would be interest on the loan, making it riba (usury). If delivery in another currency is stipulated in this form, it becomes riba because it is a currency exchange with delayed possession.

The form you are asking about falls under either the second or third category. A reward is permissible only in the second category, provided that the transfer office is official.