What is the ruling on money obtained from bank prizes on savings accounts, and if it is forbidden and has been used as capital in a permissible trade, then donated to the needy, is there still a prohibition in it?

Bank prizes vary depending on the type of bank:

1. Usurious Banks (Ribawi Banks): Dealing with them is forbidden except in cases of extreme necessity where no Islamic alternative exists. In such cases, it is restricted to what the need dictates, such as a current account. If one is given prizes or usurious interest, they must be disposed of by giving them to the poor and needy or for general Muslim welfare. It is not permissible to benefit from them except for a poor person to meet their need or as a loan for investment, provided the principal capital is returned to its designated uses. If one trades with it, the profit belongs to them, but they must dispose of the principal capital. 2. Islamic Banks: There is no harm in having savings accounts with them, as they are structured as a Mudarabah contract if the deposit is for investment purposes in exchange for a share of the profits.