What is the ruling on bank interest accrued from money deposited in banks, whether in investment accounts, savings accounts, or current accounts, regardless of whether the banks determined it in advance or at the end of the year?

If banks engage in permissible Mudarabah (profit-sharing) with funds, observing its stipulated conditions, then it is permissible to take the profits generated from those funds. However, if banks do not adhere to these rulings, then it is not permissible to take interest, nor to deposit funds with them in the first place. Usurious banks do not engage in permissible Mudarabah; rather, they are based on usurious lending and borrowing. As for Islamic banks, they invest depositors' funds through Mudarabah. Therefore, it is not permissible for a Muslim to deal with usurious banks.