Is it permissible to benefit from Dubai Islamic Bank's "Salary in Advance" service, which allows for receiving a portion of the salary in advance for an administrative fee of 100 AED, provided that the amount is automatically deducted upon the transfer of the salary from the employer?
If the mentioned hundred is taken as administrative expenses representing the actual fees for the services provided for this operation, then there is no harm in it; based on the statement of the Islamic Fiqh Academy: "And it is not considered as part of it – meaning usurious interests – the fixed fees that are not tied to the loan amount or its duration in exchange for this service. Any increase beyond the actual services is forbidden, because it is from the usury forbidden by Sharia." However, if it is merely a trick to conceal usury and call it by another name, then it is not permissible. The sign of this is that the fees are not commensurate with the effort expended in the loan. It is better to avoid it, acting upon the hadith: "Leave what makes you doubt for what does not make you doubt."
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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