´It was narrated from Ibrahim, with regard to exchanging Dirnars for Dirhams, that:` he disliked it (this transaction) if it was done on credit. (Da 'if )
Explanation & Benefits
Hafiz Muhammad Ameen
This is because, in the case of a loan, there is a possibility that the lender may derive some benefit in the form of value, and when any benefit is derived from a loan, it becomes usury (riba). However, this is only a possibility. For this reason, it cannot be prohibited to take dinars in place of dirhams, provided that no benefit is obtained, as will be mentioned in the following hadith.
Source: Sunan Nasa'i: Translation and Benefits by Shaykh Hafiz Muhammad Amin Hafizullah, Page: 4590