Is the deduction of a symbolic amount by ATMs as a result of withdrawing from another bank considered usury (riba)? And is one sinful if they withdraw from a bank other than the one in which they have an account?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
The bank deducting a symbolic amount (such as two dirhams) for each ATM withdrawal is not considered usury (riba); rather, it is a permissible fee. However, it is better to withdraw from the ATM of the Islamic bank you belong to, or any Islamic bank, to reduce the revenues of usurious banks. It is not permissible to open an account or deposit funds in a usurious bank because it constitutes assisting them in usury, and Allah Almighty says: (And do not cooperate in sin and aggression) [Al-Ma'idah: 2]. Whoever has an account in a usurious bank must transfer it and place it in an Islamic bank.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/51570
Where this answer came from
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- Ftawy
- Original fatwa ID
- 51570
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy