Exchanging money hand to hand

Q 3: What is the ruling on the exchange of money in the following manner: (Part No. 13; Page No. 448) It is well known that many Algerians travel to France. Some people take French currency from Algerian workers there in this way: 1000 francs for 2000 Algerian dinars and sometimes for more than that. When they return they hand the money to the families of the Algerian workers in Algerian currency, that is the money is not exchanged through a hand-to-hand transaction. It should be noted also that Algerian currency is internationally higher in value than French currency. What is the ruling on that?

A: If the case is as you have mentioned, this exchange of money is not permissible except by hand-to-hand transaction. May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.