The general principle of banking is survival from interests on loans and deposits. When the Islamic system bans interest, how the system can work?How can an enterprise function without making profit. If any organisation does banking without making profit, it should not be called a Bank. There should be some other name to substitute a charity organization or NGO, but the problem is who will fund it for its day to day services?
I think that Islamic Banks are available for Muslim people.Not of others. You can try this thread in Payment Processing section.which is best.