Banks, using their hundreds of years of experience and using their extensive branches, are the best and smoothest tool to achieve this goal. With the help of various deposit accounts, banks attract funds in excess of consumer and investment needs of individuals and institutions, and provide them to economic enterprises in the form of short-term and long-term loans and credits. However, the basis of the work of world-renowned banks, whether in attracting deposits or giving loans and credits, is (interest system), which according to the great jurists of Islam is usury and forbidden. The growing necessity of banking transactions and the important position of the bank in preparing savings and leading them to useful, productive and productive economic efforts, has made Muslim thinkers think of finding a solution to implement the banking system. The result of this thought can be presented in four groups: the first group, while acknowledging the usury of bank interest, has considered it permissible out of necessity and need. The second group, in terms of thematics, is unfamiliar and There is a fundamental difference between usury and bank interest. The third group, relying on the exceptions to the ruling on usury, equates them to bank interest. Islam and interest-free banking are the result of their efforts in many Muslim countries. Formation of conventional banks in the world is a government-run bank. In these banks, the main resources of the bank are formed through people's deposits, and in terms of the type of work and legal relations, they are no different from private banks, that is, they provide financial resources to economic owners and use them, then part It is given to depositors and the rest is deposited in the state treasury as bank interest. The purpose of establishing such banks in some countries is to prevent the exaggeration and oppression of private banks in receiving and paying bank interest. This means that private banks typically charge higher interest rates than business owners and, on the other hand, pay less interest to depositors in order to make more profit. To solve this problem, in some countries, state-run banks were formed. At the same time, it should be noted that the interest paid by these banks to depositors should not be less than competing institutions, otherwise people will withdraw their deposits from these banks in a short time. You will go to private banks, non-bank monetary institutions, informal monetary markets, foreign banks or buy and hoard essential goods.