Is it permissible to open a current account that does not accrue interest (riba) in a riba-based bank for the purpose of transferring salary to it and quickly withdrawing it each month, given that the employer only transfers salaries to this bank, and the cost of transferring the salary to an Islamic bank is higher than what the riba-based bank might benefit from, and given the difficulty of receiving the salary monthly via check?
If the employer only transfers salaries to a usurious bank, there is no harm in opening a current account there, provided the salary is withdrawn immediately upon deposit, so as not to aid the usurious institution. This falls under the principle of enduring the lesser of two evils to ward off the greater, as stated by Sheikh al-Islam Ibn Taymiyyah, and that the wise person is one who knows the better of two good things and the worse of two bad things.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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