1
00:00:00,080 --> 00:00:01,016
May Allah bless you.

2
00:00:01,100 --> 00:00:06,900
And this questioner asks
about withdrawing money from the ATM.

3
00:00:08,020 --> 00:00:08,520
If it is.

4
00:00:09,300 --> 00:00:10,260
From another bank.

5
00:00:12,700 --> 00:00:14,740
In fact, this transaction is doubtful.

6
00:00:17,520 --> 00:00:22,700
That is because if a person
uses a regular card to withdraw.

7
00:00:23,700 --> 00:00:28,896
from an ATM of a bank
other than his own bank.

8
00:00:28,980 --> 00:00:31,480
They charge a fee for it.

9
00:00:33,960 --> 00:00:36,920
But what seems correct,
Allah ﷻ knows best.

10
00:00:38,220 --> 00:00:40,360
Though doubtful, it is permissible.

11
00:00:41,740 --> 00:00:49,260
Because this is first of all
a fee for using the machine.

12
00:00:50,780 --> 00:00:53,480
Because every ATM belongs to a bank.

13
00:00:54,420 --> 00:00:59,716
This machine has value
and it has upkeep costs.

14
00:00:59,800 --> 00:01:05,420
So if a person uses this ATM
belonging to that bank, not his own bank.

15
00:01:06,560 --> 00:01:13,560
Then a fee is charged
for using this ATM of that bank.

16
00:01:14,200 --> 00:01:15,820
Permissible; Allah ﷻ knows best.

17
00:01:16,940 --> 00:01:22,656
This is permissible, and Allah knows best.
It is a different issue from withdrawal.

18
00:01:22,740 --> 00:01:24,820
This is the fee
for using this.

19
00:01:25,700 --> 00:01:29,860
ATM of another bank.

20
00:01:31,260 --> 00:01:36,320
And another point is
that a person.

21
00:01:37,440 --> 00:01:41,136
In this case, I don't know.

22
00:01:41,220 --> 00:01:45,076
I'm speaking about what happens
in Saudi Arabia. He doesn't pay.

23
00:01:45,160 --> 00:01:50,500
This extra charge or this amount.
Rather, his bank pays this amount.

24
00:01:51,580 --> 00:01:56,860
Meaning, here in Saudi Arabia,
it isn't deducted from his account.

25
00:01:58,220 --> 00:02:04,900
But the bank you deal with bears
this extra charge.

26
00:02:05,400 --> 00:02:08,060
For example, here it may be
two or three riyals.

27
00:02:09,640 --> 00:02:16,780
The bank you use pays it as a fee
to the other bank, and vice versa.

28
00:02:17,980 --> 00:02:22,060
In this case, the beneficiary
is not the one who paid.

29
00:02:23,440 --> 00:02:25,140
Rather, it is his own bank.

30
00:02:25,720 --> 00:02:29,256
And this is a separate issue.
This is a separate issue.

31
00:02:29,340 --> 00:02:32,900
So it seems to me, Allah ﷻ knows best:
it is permissible.

32
00:02:33,000 --> 00:02:38,800
But I advise against doing it
because I have doubts about it.

33
00:02:40,140 --> 00:02:42,060
So a person should be careful.

34
00:02:43,240 --> 00:02:49,636
as much as possible, to withdraw
from his own bank's ATM.

35
00:02:49,720 --> 00:02:51,560
Of course, scholars differ on it.

36
00:02:52,440 --> 00:02:54,316
Some scholars prohibit it.

37
00:02:54,400 --> 00:02:56,310
And other scholars permit it.

38
00:02:56,400 --> 00:02:58,696
I have in fact studied it,
and it seems to me

39
00:02:58,780 --> 00:03:00,736
Allah ﷻ knows best: the stronger view
permits it.

40
00:03:00,820 --> 00:03:04,020
But the matter is doubtful,
and avoiding doubt is better.

41
00:03:05,320 --> 00:03:08,320
So it is better for a person
to be careful.

42
00:03:08,500 --> 00:03:14,140
not to withdraw except from an ATM
belonging to his bank.

43
00:03:15,000 --> 00:03:19,116
If he happened to withdraw
from another ATM,

44
00:03:19,200 --> 00:03:21,296
So it seems to me,
and Allah knows best,

45
00:03:21,380 --> 00:03:24,656
he has not fallen into riba,
based on my study of the issue.

46
00:03:24,740 --> 00:03:25,260
Yes.