What is the evidence from the Quran and Sunnah for the prohibition of dealing with banks?

The Shaykh : Please go ahead.

The questioner : In the name of Allah, the Most Gracious, the Most Merciful:
My honorable master, we are living in very critical circumstances, and dealing without the involvement of the bank has become impossible. How can we deal without entering into what is forbidden? And what is the evidence from the Quran and Sunnah for the prohibition of dealing with banks, depositing money, and collecting interest? May Allah reward you with good.

The Shaykh : This statement is correct in terms of reality, in the sense that it has become very difficult for a Muslim to conduct a correct Islamic transaction free from violating the Shari'ah if he wants to expand his earnings. But is this an excuse that permits a Muslim to violate what the religion has forbidden?
As for the evidence that dealing with banks is not permissible as long as they deal in the forbidden riba (usury or interest) by the consensus of Muslim scholars and by the explicit text of the Quran and authentic Sunnah, the evidence for this is first the saying of Allah, Blessed and Exalted is He: . There is no doubt that this ruling is directed to every Muslim who truly believes in what came in the Book of Allah and in the hadith of the Messenger of Allah (peace and blessings be upon him) regarding the prohibition of riba, whether it is little or much. As for one who is in doubt or uncertainty about this prohibition, that takes on a different discussion than the one whose question is being addressed now, and we are currently in the process of answering it. If it is certain that riba is forbidden, both its little and its much, to the extent that he (peace and blessings be upon him) said: . If the banks deal in this riba whose prohibition is certain, as we mentioned, then the answer regarding the impermissibility of dealing with these banks is the verse mentioned previously, namely the saying of Allah, Blessed and Exalted is He: .
His saying, Mighty and Majestic, at the end of this verse: is an Islamic principle that establishes a methodology for Muslims in their cooperation with one another: that they should cooperate in good and righteousness, and not cooperate in sin and transgression. If riba is among the major sins, then there is no doubt or hesitation that it is severely forbidden to cooperate with those who engage in riba in their transactions, and who consider it permissible in their dealings with loans, trades, and the like.
This is also supported by his saying (peace and blessings be upon him): . Some people may think that the forbidden aspect of riba is only for the one who consumes it. But based on the previous principle that it is not permissible to cooperate in sin, a detail of this cooperation in sin related to riba has come in this authentic hadith: . This hadith is like a detail of the verse: . Every person who has some thought about such forbidden transactions knows with certainty, with a little awareness and thinking, that if there were no one feeding riba, there would be no one consuming riba. If there were no one authorizing riba, there would be no one consuming riba. Therefore, he (peace and blessings be upon him) said: . This is due to the close connection existing between the consumer and the one who feeds the forbidden. And the Prophet (peace and blessings be upon him) added to that his saying: . That is because they cooperated in consuming riba and feeding riba. This hadith is so clear that it is like a detail of that Quranic principle: . There are other hadiths that serve as an addition to the detail of this noble verse, such as his saying (peace and blessings be upon him): . I do not know if I missed the tenth. The point is that the Prophet (peace and blessings be upon him) gathered in this hadith types of people who did not drink the intoxicant, yet he included them in the prohibition, and even in the curse of Allah upon them, because they are the cause of the existence of the drinker of the intoxicant. If there were no seller of grapes to the one who presses them for wine, these means and intermediaries would not exist. Therefore, every Muslim who truly believes in Allah and His Messenger should know this Islamic principle: that the Muslim society must not be one that cooperates in sin, but rather it must be one that cooperates in righteousness and piety.
After that, it is fitting for the Muslim to live with a pure soul and a peaceful chest, for being poor is better for him than being rich and eating forbidden money. And he (peace and blessings be upon him) said in the authentic hadith: . Matters branch out from this that many people do not notice.