What is the ruling on transferring one's salary to an interest-based bank for the purpose of taking out a loan to improve dire living conditions?
It is impermissible to transfer one's salary to a usurious bank for the purpose of taking a usurious loan, because this falls under forbidden usury (riba). Improving one's condition and livelihood should not be achieved through what Allah has forbidden. Usury is one of the seven destructive sins for which Allah has threatened war against its perpetrator. The Prophet, peace and blessings be upon him, cursed the one who consumes usury, the one who feeds it, its two witnesses, and its scribe.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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