Is she considered sinful, she who lives in a European country and is compelled to open a bank account to receive her salary, given the absence of Islamic banks and the non-use of cash, knowing that the bank takes a small amount from her account annually?

There is no harm for an employee who is obliged to open a bank account in a country where no Islamic bank exists, nor is there harm in the percentage that the bank deducts annually, considering his need. However, he should limit his dealings with the bank to the extent of his need.