Is it permissible to request a bank card from an online bank to meet work needs via the internet, given that there is a penalty clause imposing 0.5% interest daily for延迟 payment of service fees, and is this considered usury even if the increase is not taken?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
The bank's demand that the client pay an increase for late payment of fees is usury (riba). It is not permissible to agree to this usurious condition, even if the client intends not to delay payment, unless they are compelled to do so by a dire and valid necessity.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/186929
Where this answer came from
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- Ftawy
- Original fatwa ID
- 186929
- 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