Is the AED 50 fee charged by the bank for opening an overdraft account considered usury (riba)? And is the drawn amount permissible (halal) or forbidden (haram), knowing that repayment is made within a month and the amount does not vary regardless of the withdrawal value?

The overdraft system is precisely usury (riba), and it is impermissible to deal with it, even if the client is able to repay the amount on time before interest accrues. This is based on the Almighty's saying: "O you who have believed, fear Allah and give up what remains [due to you] of interest, if you should be believers" (Quran 2:278), and the Prophet's (peace be upon him) saying: "Usury has seventy-two doors, the least of which is like a man marrying his mother" (or he said: "Usury has seventy doors, the least of which is like a man marrying his mother"). This is also due to the involvement in cooperation in sin and aggression, which is forbidden by the Almighty's saying: "And cooperate in righteousness and piety, but do not cooperate in sin and aggression" (Quran 5:2).