ANSWER: There’s no specific dua mentioned, just make general dua during times of acceptance, such as in salah in your sujood, in the last tashahud, before making salam, between Azaan and iqama, during the last third of the night, begging Allah until He opens the door and answers your dua.  https://islamqa.info/en/answers/190097/is-there-a-specific-prayer-for-increasing-provision

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ANSWER: If this is the only thing they do and the banks are conventional riba based, this is not permissible. 

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