Islam forbids interest since it is morally not
justified. Therefore, a person should not in any way use the interest money even
if his bank account is ‘forcibly’ credited with it.
The bank charges you have referred to are an absolutely
legitimate remuneration of the various services a bank provides you. If their
rates are high, it certainly does not mean that you can use money obtained from
forbidden means to pay for them. Instead of using the interest money for your
own self or for such purposes, it seems befitting that you give it away to the
poor or in some welfare projects. This money actually belongs to the society and
should accordingly be spent on its needs.