What is the ruling on opening two accounts with a bank, the first of which accrues interest that must be withdrawn to avoid it, and the second enters draws for cash prizes without interest? And is it permissible to give away the usurious interest from the first account as charity to avoid sin?

Opening an account in an interest-based (usurious) bank is forbidden except in cases of extreme necessity. If a person is compelled to do so, the account must be a current account. As for the draws conducted by some banks on customer accounts, entering them into a lottery to win promotional prizes, there is no harm in it if the bank is Islamic, provided it is not based on a prior condition or in exchange for depositing and leaving the salary in the account for a known period. This is because, in such a case, it becomes a loan that brings benefit, and this is usury (riba) that must be disposed of by spending it on the welfare of Muslims.