Is it permissible to use a Visa card issued by a usurious bank for an annual fee, given that the company transfers salaries to it due to the unavailability of Islamic banks, and that withdrawals are made when there is a balance and do not exceed 200 dinars weekly? Is it also permissible to withdraw cash with it from other banks' ATMs? And what should one do if it is impermissible?
If an Islamic bank is not available, it is permissible to open a current account in a conventional (interest-based) bank. If a Visa card issued by a conventional bank is permissible, there is no objection to using it at any ATM, as long as it does not result in the payment of usurious interest. Fixed fees charged for a service are not considered usurious interest.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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