Darul Iftaa Mahmudiyyah

Taking interest with intention of giving it to charity

· 27 Shawwal 1436 AH1 min readFatwa 33736English

Question

I live in UK and I have a current account with LLoyds Bank. I requested a current account because it does not give me any interest money. There are saving accounts other than current account where you can get interest. Someone told me, "if you have money in your bank then put it in a saving account and the interest you get, should give it to poor and dont consume it". Now, i would like to know the ruling, Is it permissible to still put money in saving account in an intention to give it to charity causes even I have a choice to use current account(interest free), Can I still take interest on it with the intention only to give it to charity.

Answer

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

It is important to mention that dealing with conventional banks (such as Loyds Bank) is based solely on need and necessity[1]. Whilst making use of the bank facility, if one has accrued interest in his account, he should dispose of that amount in charity without the intention of reward as soon as possible[2]. Furthermore, if there is an interest free account available, one should abstain from opening an account which gives interest.

And Allah Ta’āla Knows Best

Abdullah Ghadai

Student Darul Iftaa
Michigan, U.S.A

Checked and Approved by,
Mufti Ebrahim Desai.

References (Arabic / Urdu sources)

[1] Cotemporary Fatawa, Idara e Islamiat, 280-281

[2] فَيَجِبُ رَدُّ عَيْنِ الرِّبَا لَوْ قَائِمًا لَا رَدُّ ضَمَانِهِ لِأَنَّهُ يُمْلَكُ بِالْقَبْضِ قُنْيَةٌ وَبَحْرٌ [رد المحتار، كتاب البيوع، باب الربا، مطلب في الإبراء عن الربا، ج٥، ص١٦٩، سعيد]

وَالْحَاصِلُ أَنَّهُ إنْ عَلِمَ أَرْبَابَ الْأَمْوَالِ وَجَبَ رَدُّهُ عَلَيْهِمْ، وَإِلَّا فَإِنْ عَلِمَ عَيْنَ الْحَرَامِ لَا يَحِلُّ لَهُ وَيَتَصَدَّقُ بِهِ بِنِيَّةِ صَاحِبِهِ، وَإِنْ كَانَ مَالًا مُخْتَلِطًا مُجْتَمِعًا مِنْ الْحَرَامِ وَلَا يَعْلَمُ أَرْبَابَهُ وَلَا شَيْئًا مِنْهُ بِعَيْنِهِ حَلَّ لَهُ حُكْمًا، وَالْأَحْسَنُ دِيَانَةً التَّنَزُّهُ عَنْهُ [رد المحتار، كتاب البيوع، باب البيع الفاسد، ج٥، ص٩٩، سعيد]

لَوْ مَاتَ الرَّجُلُ وَكَسْبُهُ مِنْ بَيْعِ الْبَاذَقِ أَوْ الظُّلْمِ أَوْ أَخْذِ الرِّشْوَةِ يَتَوَرَّعُ الْوَرَثَةُ، وَلَا يَأْخُذُونَ مِنْهُ شَيْئًا وَهُوَ أَوْلَى بِهِمْ وَيَرُدُّونَهَا عَلَى أَرْبَابِهَا إنْ عَرَفُوهُمْ، وَإِلَّا تَصَدَّقُوا بِهَا لِأَنَّ سَبِيلَ الْكَسْبِ الْخَبِيثِ التَّصَدُّقُ إذَا تَعَذَّرَ الرَّدُّ عَلَى صَاحِبِهِ [رد المحتار، كتاب البيوع، فصل في البيع، ج٦، ص٣٨٥، سعيد]

والسبيل في المعاصي ردها, و ذلك ههنا برد الماخوذ ان تمكن برده بان عرف صاحبه, و بالتصدق به ان لم يعرفه, ليصل اليه نفع ماله ان كان لا يصل اليه عين ماله. [الفتاوى العالمكيرية، كتاب الكراهية، الباب الخامس عشر في الكسب، ج٥، ص٣٤٩، رشيديه]

[فتاوى رحيمية ج9 ص256 – دار الاشاعت]

[فتاوى محمودية ج16 ص 384- جامعه فاروقيه]

[عصر حاضر کے پیچیدہ مسائل اور انکا حل ج2 ص165- الطاف ايند سنز]

[احسن الفتاوي، باب الربا والقمار، ج٧، ص١٦، سعيد]

Answered by
Abdullah Ghadai
Checked & approved by
Mufti Ebrahim Desai
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Source: Darul Iftaa Mahmudiyyah — https://askimam.org/public/question_detail/33736
Fatawa SA: https://fatawa.co.za/fatwa/askimam-33736

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