Is it permissible to demand a percentage of the bank's profits resulting from the investment of $100 deposited, knowing that the primary purpose of opening the account is to preserve money and facilitate electronic transactions, and not investment?

Bank deposits are divided into two types: demand deposits (current accounts) and investment deposits. Current accounts are considered a loan from the account holder to the bank, and the bank guarantees it. The profit from investing this money belongs to the bank, and the account holder is not entitled to any profit from it. If the bank gives interest on the current account, this is an usurious transaction (riba), and the account holder must dispose of the interest by giving it to the poor or for the general welfare of Muslims.

As for investment deposits (such as savings accounts), if they are with a bank that adheres to the provisions of Sharia and invests the money in permissible ways, the account holder is entitled to the agreed-upon percentage of the profit. The deposit is not guaranteed except in cases of transgression or negligence on the part of the bank.

It is forbidden to deal with usurious banks if it is possible to deal with an Islamic bank. If a person is compelled to deposit money in a usurious bank and receives interest, it is usurious interest that must be disposed of by giving it to the poor and needy.