Is the bank's method permissible, which obligates the payment of 1200 Riyals as a fee for services in the event that the car purchase is not completed after the bank has taken possession of it, or adds it to the total value if the transaction is completed?

It is impermissible to deposit money in interest-based banks except in cases of extreme necessity, such as receiving a salary when no Islamic bank is available, provided the money is withdrawn immediately. Purchasing a car from a bank has two scenarios: The first is forbidden if the bank's role is merely to finance the money with an increase. The second is permissible under certain conditions: that the bank purchases the car and transfers its ownership to itself, then sells it to the customer, without stipulating a penalty for late payment, and without the customer signing a binding purchase contract before the bank takes ownership of the car, and without requiring an upfront payment before ownership. Furthermore, it is not permissible for the bank to take the amount of (1200 Saudi Riyals) if the customer withdraws from the purchase, because this falls under the category of earnest money (deposit) before the contract, which is impermissible.