What is the ruling on using a European electronic bank solely for money transfer, knowing that registration requires agreeing to a late payment penalty clause for Visa card fees at a rate of 0.5% daily after four months, in addition to a fine of 2.26 Euros, given that the bank does not lend money, nor does it invest in usury, and obtaining a Visa card is not mandatory? And what is the ruling on using this bank while issuing a Visa card for another person?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
A late payment fine on debts, including bank card fees, is not permissible in Islamic law. It is not permissible to obtain a card that includes a forbidden condition, except for a recognized need. It is permissible to deal with the bank in permissible transactions, such as transferring money. It is not permissible to issue a card that includes a forbidden condition, whether for yourself or for others.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
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- Original fatwa ID
- 185366
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- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
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