What is the ruling on one who took out a loan with interest from a bank, knowing that he used to refuse to take interest from the bank when he had a balance there because it is usury?

The person is thanked for not requesting interest from the bank, even though depositing money in an interest-based bank is not permissible except out of necessity. As for borrowing from an interest-based bank, it is forbidden because it is explicit usury, which Allah and His Messenger have prohibited, and the Ummah has unanimously agreed upon its prohibition. This is based on the statement of Allah the Almighty: ﴿O YOU WHO HAVE BELIEVED, FEAR ALLAH AND GIVE UP WHAT REMAINS [DUE TO YOU] OF USURY, IF YOU SHOULD BE BELIEVERS. AND IF YOU DO NOT, THEN BE INFORMED OF A WAR [AGAINST YOU] FROM ALLAH AND HIS MESSENGER. BUT IF YOU REPENT, YOU MAY HAVE YOUR PRINCIPAL – [THUS] YOU DO NOT WRONG, NOR ARE YOU WRONGED﴾. And the saying of the Prophet, peace be upon him: “Allah has cursed the one who consumes usury, the one who pays it, its scribe, and its two witnesses,” and he said, “they are all equal.” One should advise the brother not to give the increment except out of necessity.