What is the ruling on opening a savings account in an Islamic bank and benefiting from its returns, and what is the difference between these returns and the interest of usurious banks?

It is permissible to open a savings account in an Islamic bank if the following conditions are met: that the bank takes the capital and invests it in legitimate buying and selling methods, that the profit ratio is shared between the two parties, that the capital is not guaranteed to its owner except in the case of the bank's negligence, and that the bank does not invest the funds in interest-based banks or in anything prohibited. If these conditions are met, then it is valid to open a savings account, which is a permissible form of Mudarabah (profit-sharing partnership) according to Sharia. As for interest-based banks, it is not permissible to open a savings account with them because they specify an interest rate and guarantee the capital, which is a loan with interest and is considered usury.