Most conventional banks have regular checking accounts where you do not earn interest, with a debit card. If that is not available and there is only a type of savings account where interest is earned on your money, then you must give the interest money to charity to cleanse your wealth.

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How can he know the exact person who performed black magic on you? If he does not have clear proof, then he sounds like a soothsayer! There is nothing wrong with you in sha Allah. As for protection from black magic: https://www.youtube. com/watch?v=JN5d3D9jmkE https://www.youtube.com/watch?v=_nTJK6a1otc https://www.youtube.com/watch?v=_nTJK6a1otc

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You cannot blame everything on black magic, these are also tests from Allah. As for amulets, please read this: https://www.assimalhakeem.net/ruling-on-amulets-and-hanging-them-up-do-amulets-ward-off-the-evil-eye-and-hasad-envy/ Protection from black magic: https://www.youtube.com/watch?v=JN5d3D9jmkE

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You are supposed to say that if you pray alone or you are the Imam. The follower only says: rabbana wa laka Alhamd.

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