Ba a halatta a buɗe bankuna ko kaɗan ba, kuma babban bankin Gwamnati kaɗai ne za a yarda da shi, kuma babu wata mu'amala da ta shafi riba. Wani sashe na musamman a cikin Baitul-Mal ne zai kula da wannan. Ana gudanar da lamuni na kuɗi bisa ƙa'idojin Shari'a, kuma za a sauƙaƙa harkokin kuɗi da musayar kuɗi.

It is completely prohibited to open banks, and the only one permitted will be the State bank, and there are no transactions upon interest. This will be dealt with by a particular department of the Bayt Al-Mal. Financial loans will be undertaken in accordance with the rules of the Shari’ah and the financial and currency transactions will be facilitated.

Aikin bankin ya kasu zuwa nau'i uku: mu'amalolin riba kamar hannayen jari (bonds) da lamuna (credits), mu'amalolin canja wuri kamar cheque da ajiya.

The work of the bank falls under three types: interest based transactions such as bonds and credits, transferral transactions such as cheques and deposits.

Ana halatta, canja wuri da ajiye kuɗi duka halal ne a shari'ar Musulunci, kuma hujjar hakan ita ce hujjojin canja wuri da hujjojin amana. Saboda haka, ya halatta ga Musulmi ya buɗe banki domin ya samar da hidimomin canja wuri da ajiye kuɗi da sauran irin waɗannan abubuwa daga cikin abubuwan da shari'a ta halatta, kamar musayar kuɗi. A irin wannan hali, buɗe banki ba za a ɗauke shi haramun ba, tun da banki mai yin riba ne kawai aka haramta. Sai dai, waɗannan hidimomi ba sa kawo riba mai yawa, ko kuma ribarsu za ta iya taimakawa ne kawai wajen kafa wani abu mai kama da shagunan masu musayar kuɗi. Ba zai yiwu wani ya buɗe banki da irin wannan kuɗi ba, saboda rashin ikon samun riba mai yawa a gare shi, domin ribar canja wuri da ajiye kuɗi da ribar musayar kuɗi ƙanana ne sosai idan aka kwatanta da ribar riba, kuma manyan riba su ne waɗanda ake samu daga hannun jari a harkokin ma'amala da riba, don haka waɗannan su ne hannun jari masu riba. Bisa haka, ribar canja wuri, ajiye kuɗi da musayar kuɗi ba za ta isa wajen buɗe bankuna irin waɗanda aka sani da su a duniya yau ba, face dai za ta isa ne kawai wajen buɗe shaguna masu iyakantattun hidimomi, kamar shagunan masu musayar kuɗi, wanda hakan ba ya shafi abin da ake kira bankuna a yau. Buɗe bankuna ba zai yiwu ba sai da ma'amalolin riba, kuma banki ba a buɗe shi ba sai domin ma'amalolin riba, riba kuwa haramun ce bisa nassin Alƙur'ani bayyananne: