The Prophet ﷺ said, "The selling of wheat for wheat is Riba (usury) except if it is handed from hand to hand and equal in amount. Similarly the selling of barley for barley, is Riba except if it is from hand to hand and equal in amount, and dates for dates is usury except if it is from hand to hand and equal in amount. (See Riba-Fadl in the glossary).  

عَنِ النَّبِيِّ ﷺ قَالَ الْبُرُّ بِالْبُرِّ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالشَّعِيرُ بِالشَّعِيرِ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالتَّمْرُ بِالتَّمْرِ رِبًا إِلاَّ هَاءَ وَهَاءَ  

that Malik bin Aus said, "I was in need of change for one-hundred Dinars. Talha bin 'Ubaidullah called me and we discussed the matter, and he agreed to change (my Dinars). He took the gold pieces in his hands and fidgeted with them, and then said, "Wait till my storekeeper comes from the forest." ʿUmar was listening to that and said, "By Allah! You should not separate from Talha till you get the money from him, for Messenger of Allah ﷺ said, 'The selling of gold for gold is Riba (usury) except if the exchange is from hand to hand and equal in amount, and similarly, the selling of wheat for wheat is Riba (usury) unless it is from hand to hand and equal in amount, and the selling of barley for barley is usury unless it is from hand to hand and equal in amount, and dates for dates, is usury unless it is from hand to hand and equal in amount"  

حَتَّى يَأْتِيَ خَازِنِي مِنَ الْغَابَةِ وَعُمَرُ يَسْمَعُ ذَلِكَ فَقَالَ وَاللَّهِ لاَ تُفَارِقُهُ حَتَّى تَأْخُذَ مِنْهُ قَالَ رَسُولُ اللَّهِ ﷺ الذَّهَبُ بِالذَّهَبِ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالْبُرُّ بِالْبُرِّ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالشَّعِيرُ بِالشَّعِيرِ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالتَّمْرُ بِالتَّمْرِ رِبًا إِلاَّ هَاءَ وَهَاءَ  

I came saying who was prepared toexchange dirhams (for my gold), whereupon Talha b. Ubaidullah (Allah be pleased with him) (as he was sitting with 'Umar b. Khattib) said: Show us your gold and then come to us (at a later time). When our servant would come we would give you your silver (dirhams due to you). Thereupon 'Umar b. al-Khattib (Allah be pleased with him) said: Not at all. By Allah, either give him his silver (coins). or return his gold to him, for Messenger of Allah ﷺ said: Exchange of silver for gold (has an element of) interest in it. except when (it is exchanged) on the spot;and wheat for wheat is an interest unless both are handed over on the spot: barley for barley is interest unless both are handed over on the spot; dates for dates is interest unless both are handed over on the Spot.  

عُمَرُ بْنُ الْخَطَّابِ كَلاَّ وَاللَّهِ لَتُعْطِيَنَّهُ وَرِقَهُ أَوْ لَتَرُدَّنَّ إِلَيْهِ ذَهَبَهُ فَإِنَّ رَسُولَ اللَّهِ ﷺ قَالَ الْوَرِقُ بِالذَّهَبِ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالْبُرُّ بِالْبُرِّ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالشَّعِيرُ بِالشَّعِيرِ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالتَّمْرُ بِالتَّمْرِ رِبًا إِلاَّ هَاءَ وَهَاءَ  

"The Messenger of Allah said: '(Exchanging) gold for silver is Riba unless it is done on the spot. (Exchanging) dates for dates is Riba unless it is done on the spot. (Exchanging) wheat for wheat is Riba unless it is done on the spot. (Exchanging) barley is Riba unless it is done on the spot."'  

قَالَ رَسُولُ اللَّهِ ﷺ الذَّهَبُ بِالْوَرِقِ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالتَّمْرُ بِالتَّمْرِ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالْبُرُّ بِالْبُرِّ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالشَّعِيرُ بِالشَّعِيرِ رِبًا إِلاَّ هَاءَ وَ هَاءَ  

The Messenger of Allah ﷺ as saying: Gold for gold is interest unless both hand over on the spot ; wheat for wheat is interest unless both hand over on the spot ; dates for dates is interest unless both hand over on the spot ; barley for barley is interest unless both hand over on the spot.  

قَالَ رَسُولُ اللَّهِ ﷺ الذَّهَبُ بِالذَّهَبِ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالْبُرُّ بِالْبُرِّ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالتَّمْرُ بِالتَّمْرِ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالشَّعِيرُ بِالشَّعِيرِ رِبًا إِلاَّ هَاءَ وَهَاءَ  

"I heard 'Umar bin Al-Khattab say: 'The Messenger of Allah ﷺ said: "Exchanging gold for gold is usury unless it is done on the spot. (Exchanging) wheat for wheat is usury, unless it is done on the spot. (Exchanging) barley for barley is usury unless it is done on the spot. (Exchanging) dates for dates is usury, unless it is done on the spot."  

قَالَ رَسُولُ اللَّهِ ﷺ الذَّهَبُ بِالذَّهَبِ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالْبُرُّ بِالْبُرِّ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالشَّعِيرُ بِالشَّعِيرِ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالتَّمْرُ بِالتَّمْرِ رِبًا إِلاَّ هَاءَ وَهَاءَ  

"I came saying. 'Who will exchange Dirham?' Talhah bin 'Ubaidullah, who was with 'Umar bin Khattab, said: 'Show us your gold, then come to us; when our treasure comes, we will give you your silver.' 'Umar said: 'No, by Allah, you will give him silver (now), or give him back his gold, for the Messenger of Allah ﷺ said: "Silver for gold is usury, unless it is exchanged on the spot."'  

عُمَرُ كَلاَّ وَاللَّهِ لَتُعْطِيَنَّهُ وَرِقَهُ أَوْ لَتَرُدَّنَّ إِلَيْهِ ذَهَبَهُ فَإِنَّ رَسُولَ اللَّهِ ﷺ قَالَ الْوَرِقُ بِالذَّهَبِ رِبًا إِلاَّ هَاءَ وَهَاءَ  

Yahya related to me from Malik from Ibn Shihab from Malik ibn Aus ibn al-Hadathan an-Nasri that one time he asked to exchange 100 dinars. He said, "Talha ibn Ubaydullah called me over and we made a mutual agreement that he would make an exchange for me. He took the gold and turned it about in his hand, and then said, 'I can't do it until my treasurer brings the money to me from al-Ghaba.' Umar ibn al- Khattab was listening and Umar said, 'By Allah! Do not leave him until you have taken it from him!' Then he said, 'The Messenger of Allah ﷺ said, "Gold for silver is usury except hand to hand. Wheat for wheat is usury except hand to hand. Dates for dates is usury except hand to hand. Barley for barley is usury except hand to hand." "' Malik said, "When a man buys dirhams with dinars and then finds a bad dirham among them and wants to return it, the exchange of the dinars breaks down, and he returns the silver and takes back his dinars. The explanation of what is disapproved of in that is that the Messenger of Allah ﷺ said, 'Gold for silver is usury except hand to hand.' and Umar ibn al-Khattab said, 'If someone asks you to wait to be paid until he has gone back to his house, do not leave him.' When he returns a dirham to him from the exchange after he has left him, it is like a debt or something deferred. For that reason, it is disapproved of, and the exchange collapses. Umar ibn al-Khattab wanted that all gold, silver and food should not be sold for goods to be paid later. He did not want there to be any delay or deferment in any such sale, whether it involved one commodity or different sorts of commodities."  

أنَّهُ التَمَسَ صَرْفًا بِمِائَةِ دِينارٍ، قالَ فَدَعانِي طَلْحَةُ بْنُ عُبَيْدِ اللَّهِ فَتَراوَضْنا حَتّى اصْطَرَفَ مِنِّي وأخَذَ الذَّهَبَ يُقَلِّبُها فِي يَدِهِ، ثُمَّ قالَ: حَتّى يَأْتِيَنِي خازِنِي مِنَ الغابَةِ وعُمَرُ بْنُ الخَطّابِ يَسْمَعُ، -[٦٣٧]- فَقالَ عُمَرُ: واللَّهِ لا تُفارِقْهُ حَتّى تَأْخُذَ مِنهُ، ثُمَّ قالَ: قالَ رَسُولُ اللَّهِ ﷺ: «الذَّهَبُ بِالوَرِقِ رِبًا، إلّا هاءَ وهاءَ، والبُرُّ بِالبُرِّ رِبًا، إلّا هاءَ وهاءَ، والتَّمْرُ بِالتَّمْرِ رِبًا، إلّا هاءَ وهاءَ، والشَّعِيرُ بِالشَّعِيرِ رِبًا، إلّا هاءَ وهاءَ» قالَ مالِكٌ: إذا اصْطَرَفَ الرَّجُلُ دَراهِمَ بِدَنانِيرَ، ثُمَّ وجَدَ فِيها دِرْهَمًا زائِفًا، فَأرادَ رَدَّهُ انْتَقَضَ صَرْفُ الدِّينارِ، ورَدَّ إلَيْهِ ورِقَهُ، وأخَذَ إلَيْهِ دِينارَهُ، وتَفْسِيرُ ما كُرِهَ مِن ذَلِكَ أنَّ رَسُولَ اللَّهِ ﷺ قالَ: «الذَّهَبُ بِالوَرِقِ رِبًا، إلّا هاءَ وهاءَ» وقالَ عُمَرُ بْنُ الخَطّابِ: «وإنِ اسْتَنْظَرَكَ إلى أنْ يَلِجَ بَيْتَهُ، فَلا تُنْظِرْهُ وهُوَ إذا رَدَّ عَلَيْهِ دِرْهَمًا مِن صَرْفٍ بَعْدَ أنْ يُفارِقَهُ كانَ بِمَنزِلَةِ الدَّيْنِ أوِ الشَّيْءِ المُتَأخِّرِ، فَلِذَلِكَ كُرِهَ ذَلِكَ، وانْتَقَضَ الصَّرْفُ، وإنَّما أرادَ عُمَرُ بْنُ الخَطّابِ أنْ لا يُباعَ الذَّهَبُ والوَرِقُ، والطَّعامُ كُلُّهُ عاجِلًا بِآجِلٍ، فَإنَّهُ لا يَنْبَغِي أنْ يَكُونَ فِي شَيْءٍ مِن ذَلِكَ تَأْخِيرٌ، ولا نَظِرَةٌ وإنْ كانَ مِن صِنْفٍ واحِدٍ أوْ كانَ مُخْتَلِفَةً أصْنافُهُ»  

l brought some dinars of mine and wanted to exchange them. Talhah bin ‘Ubaidullah met me and we agreed to an exchange. Then he took them and said: Wait until my storekeeper comes - Abu ʿAmir said. From al-Ghalal (a place). And he said concerning it. All of it should be ‘Take this’ and ʿtake thisʿ [i.e., exchanged on the spot]. - I asked ‘Umar bin al-Khattab ؓ about that and he said: I heard the Messenger of Allah ﷺ say: ʿSilver for gold is riba, unless it is exchanged on the spot, wheat for wheat is riba, unless it is exchanged on the spot; barley for barley is riba, unless it is exchanged on the spot dates for dates is ribu unless it is exchanged on the spot.”  

سَمِعْتُ رَسُولَ اللهِ ﷺ يَقُولُ الذَّهَبُ بِالْوَرِقِ رِبًا إِلَّا هَاءَ وَهَاتِ وَالْبُرُّ بِالْبُرِّ رِبًا إِلَّا هَاءَوَهَاتِ وَالشَّعِيرُ بِالشَّعِيرِ رِبًا إِلَّا هَاءَ وَهَاتِ وَالتَّمْرُ بِالتَّمْرِ رِبًا إِلَّا هَاءَ وَهَاتِ  

The Messenger of Allah ﷺ said ­- and on one occasion Sufyan said: ['Umar] heard the Messenger of Allah ﷺ say ­ “Gold for silver is riba unless it is exchanged on the spot [lit. ‘this for that'), wheat for wheat is riba unless it is exchanged on the spot, barley for barley is riba unless it is exchanged on the spot, dates for dates is riba unless it is exchanged on the spot.”  

قَالَ رَسُولُ اللهِ ﷺ وَقَالَ سُفْيَانُ مَرَّةً سَمِعَ رَسُولَ اللهِ ﷺ الذَّهَبُ بِالْوَرِقِ رِبًا إِلَّا هَاءَ وَهَاءَ وَالْبُرُّ بِالْبُرِّ رِبًا إِلَّا هَاءَ وَهَاءَ وَالشَّعِيرُ بِالشَّعِيرِ رِبًا إِلَّا هَاءَ وَهَاءَ وَالتَّمْرُ بِالتَّمْرِ رِبًا إِلَّا هَاءَ وَهَاءَ  

l brought some dinars of mine and wanted to exchange them. Talhah bin ‘Ubaidullah met me and we agreed to an exchange. Then he took them and said: Wait until my storekeeper comes - Abu ʿAmir said. From al-Ghalal (a place). And he said concerning it. All of it should be ‘Take this’ and ʿtake thisʿ [i.e., exchanged on the spot]. - I asked ‘Umar bin al-Khattab ؓ about that and he said: I heard the Messenger of Allah ﷺ say: ʿSilver for gold is riba, unless it is exchanged on the spot, wheat for wheat is riba, unless it is exchanged on the spot; barley for barley is riba, unless it is exchanged on the spot dates for dates is ribu unless it is exchanged on the spot.” (Using translation from Aḥmad 314)   

عُمَرُ لَا تُفَارِقْهُ لَا تُفَارِقْهُ حَتَّى تُنْقِدَهُ قَالَ رَسُولُ اللَّهِ ﷺ «الذَّهَبُ بِالْوَرِقِ رِبًا إِلَّا هَاءً وَهَاتِ وَالْبُرُّ بِالْبُرِّ رِبًا إِلَّا هَاءً وَهَاتِ وَالشَّعِيرُ بِالشَّعِيرِ رِبًا إِلَّا هَاءً وَهَاتِ وَالتَّمْرُ بِالتَّمْرِ رِبًا إِلَّا هَاءً وَهَاتِ»  

The Messenger of Allah ﷺ said ­- and on one occasion Sufyan said: ['Umar] heard the Messenger of Allah ﷺ say ­ “Gold for silver is riba unless it is exchanged on the spot [lit. ‘this for that'), wheat for wheat is riba unless it is exchanged on the spot, barley for barley is riba unless it is exchanged on the spot, dates for dates is riba unless it is exchanged on the spot.” (Using translation from Aḥmad 162)   

يَسْمَعُ فَقَالَ عُمَرُ وَاللَّهِ لَا تُفَارِقُهُ حَتَّى تَأْخُذَ مِنْهُ ثُمَّ قَالَ عُمَرُ قَالَ رَسُولُ اللَّهِ ﷺ «الذَّهَبُ بِالْوَرِقِ رِبًا إِلَّا هَاءً وَهَاءً وَالْبُرُّ بِالْبُرِّ رِبًا إِلَّا هَاءً وَهَاءً وَالتَّمْرُ بِالتَّمْرِ رِبًا إِلَّا هَاءً وَهَاءً وَالشَّعِيرُ بِالشَّعِيرِ رِبًا إِلَّا هَاءً وَهَاءً»  

l brought some dinars of mine and wanted to exchange them. Talhah bin ‘Ubaidullah met me and we agreed to an exchange. Then he took them and said: Wait until my storekeeper comes - Abu ʿAmir said. From al-Ghalal (a place). And he said concerning it. All of it should be ‘Take this’ and ʿtake thisʿ [i.e., exchanged on the spot]. - I asked ‘Umar bin al-Khattab ؓ about that and he said: I heard the Messenger of Allah ﷺ say: ʿSilver for gold is riba, unless it is exchanged on the spot, wheat for wheat is riba, unless it is exchanged on the spot; barley for barley is riba, unless it is exchanged on the spot dates for dates is ribu unless it is exchanged on the spot.” (Using translation from Aḥmad 314)  

قَالَ رَسُولُ اللهِ ﷺ «الذَّهَبُ يَعْنِي بِالْوَرِقِ رِبًا إِلَّا هَاءَ وَهَاءَ وَالْبُرُّ بِالْبُرِّ رَبًّا إِلَّا هَاءَ وَهَاءَ وَالشَّعِيرُ بِالشَّعِيرِ رَبًّا إِلَّا هَاءَ وَهَاءَ وَالتَّمْرُ بِالتَّمْرِ رَبًّا إِلَّا هَاءَ وَهَاءَ»  

"الذَّهَبُ (بالوَرِق) ربًا، إلا هَا وهَا، والبُرُّ بالبُرِّ ربًا إلا هَا وَهَا، والتَّمْرُ بالتَّمْر ربًا إلا هَا وَهَا، وَالشَّعِيرُ بالشَّعِير ربًا إلا هَا وَهَا".