Bank dropping off service fees if a certain amount is kept in one’s account

Answered according to Hanafi Fiqh by

Q: I have opened an account in a bank and it offers a free ATM card. One of the features is that if you keep Rs. 25000 in your account then whenever the amount falls below 25k, a certain amount gets deducted on each transaction u make in that month in which the total balance was below 25k. Is it permissible to use such a bank account ?

It is not a saving account but free services like ATM, bankers cheque, sms banking are provided if a certain amount i.e. Rs. 25000.


A: Dropping off the service fee is their internal working. If they are offering a service free to you then you are allowed to use it.

And Allah Ta’ala (الله تعالى) knows best.


Answered by:

Mufti Ebrahim Salejee (Isipingo Beach)

This answer was collected from, where the questions have been answered by Mufti Zakaria Makada (Hafizahullah), who is currently a senior lecturer in the science of Hadith and Fiqh at Madrasah Ta’leemuddeen, Isipingo Beach, South Africa.

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