What is the ruling on using a prepaid visa card for which the bank charges a 4% commission on every top-up transaction, knowing that the bank does not charge any commission when withdrawing or purchasing with it?
There is no harm in the bank charging fees for issuing a prepaid Visa card, whether it takes a lump sum or a percentage, and this is not considered usury (riba).
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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