Is it permissible to use an ATM card if the bank deducts a monthly fee for it, and when would there be an issue with using it?

It is permissible for the bank to deduct monthly fees in exchange for services it provides to the cardholder, based on a resolution by the Islamic Fiqh Academy. Accordingly:

- It is not permissible to issue or use the card if it involves usurious interest. - It is permissible to issue the card if it does not contain usurious conditions. - It is permissible to take a fixed fee upon issuance or renewal in exchange for services. - It is permissible to take a commission from the merchant, provided that the selling price with the card is similar to the cash price. - Cash withdrawal is permissible if it does not result in usurious interest, and the fixed fees for the service are not considered usury. - Any increase beyond the actual services is prohibited because it is usury (riba). - It is not permissible to purchase gold, silver, and currencies with an uncovered card.