How can the repentance of a husband who wronged his wife and regrets it be accepted, given that she is demanding impossible conditions for her return, and both spouses have usurious loans, and the husband wishes to transfer to an Islamic bank?

You must repent to Allah for wronging your wife. Her satisfaction with the conditions she set for returning is not a condition for the validity of repentance. Rather, it is sufficient that you free yourself from having wronged her. If the wronging was financial, you must return the money unless she forgives you. If it was emotional, ask for her forgiveness. We advise you to involve wise individuals to mediate reconciliation between you.

You must also repent from dealing with usury, as it is one of the major sins. If your wife mocks the idea of usury being a cause of affliction, then you must teach her matters of her religion.