What is the ruling on obtaining and using an amount of $25 from Payoneer Bank, which is given to a registrant via a referral after $1,0 is received in their account, and also to the person who made the referral?

The money deposited in the bank is considered a loan from the depositor to the bank, and a gift from the borrower (the bank) to the lender (the depositor) oscillates between outright usury and its semblance. Therefore, scholars have differed on the ruling regarding accepting it, while agreeing that it is preferable to refrain from it if it was not stipulated in the contract. However, if the gift was stipulated, it is usury (riba). And if the original purpose of the deposit was to obtain this amount, it is closer to being forbidden, and it is advisable for one to spend it on the poor and needy or on the public welfare of Muslims if one takes it.