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The question

Is it permissible for me to benefit from the metals financing that the bank deposited into my account, given that it was done without my consent, and I consider it impermissible due to the lack of possession of the commodity?

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Source: FtawySummarized from the full answer at Ftawy · reviewed Sep 2, 20261 min readAlso available in العربية
The answer

There is no obligation to bear the error of an employee who changed the transaction without permission. Buying permissible shares from the bank and then selling them in the market is safer and further from the suspicion of prohibition in organized tawarruq, which most scholars have deemed forbidden, and a resolution by the Islamic Fiqh Academy was issued prohibiting organized tawarruq conducted by some banks.

Summarized from the full answer at Ftawy · reviewed Sep 2, 2026

Read the full answer on Ftawy