Amanah

A deposit (wadi’ah) in trust (by one person or counterparty with another), whether explicitly by way of contract or implicitly by implication of a contract. The depositee, or the person with whom the subject matter of amanah is deposited, will not be liable for loss except in the cases of breach of trust or intentional negligence. In practice, Islamic banks receive funds from current account holders on the basis of amanah, in which case the bank is obliged to release these funds on short notice, without delay. If current account holders authorize the bank to invest their funds in its operations, their funds will no longer be kept by the bank based on amanah, but rather based on qard (interest-free loan).