Is the banking transaction that allows an overdraft facility up to a maximum of 500 Euros, and entails the bank taking 1.5 Euros when the amount is settled from the monthly salary, considered permissible (halal) or usury (riba)?

There is no harm in borrowing through a credit card if the increase taken by the lending bank or post office is within the actual cost of the withdrawal process, and does not include a penalty clause for late payment. However, if the increase exceeds the actual cost, or the condition includes a late payment penalty, then borrowing with it is not permissible. It must be noted that opening a current account in an interest-based bank is only permissible under two conditions: the absence of an Islamic bank, and the fear of theft or loss of money.