What is the ruling on bank interest for residents in European countries, and is it permissible for someone in dire need who has neither work nor money?

Usurious gains are illicit earnings from which one is not permitted to benefit, unless the person who acquired them is poor and in need. In this case, it is permissible for him to take from it according to his need, because the poor are among the recipients of such money. However, once his need is met, the prohibition returns.