What is the ruling on working in the Gulf and depositing money in non-Islamic banks, such as savings accounts and fixed-interest investment certificates, given the lack of experience in trade and the proximity of these banks?

Opening savings accounts and investment certificates in usurious banks is impermissible, as they are based on explicit usury, where a specific, guaranteed interest is determined for the capital.

One must withdraw the money and repent to Allah. Only the principal should be returned, based on the Almighty’s saying: "And if you repent, you may have your principal – [thus] you do not wrong, nor are you wronged." As for the interests and bonuses, they should be spent on charitable causes and the general welfare of Muslims.