Praise be to Allah.
It is not permissible to work with what you have mentioned, because what the bank adds to your account, which is $150, is regarded as a loan, in return for your being a partner with them, and their acting as your broker in selling after that. It is not permissible to combine a loan and a business transaction according to the majority of jurists, because that is a loan which brings a benefit to the lender, and that is riba (usury).
In the hadith of ‘Amr ibn Shu‘ayb from his father, from his grandfather, it says: The Messenger of Allah (blessings and peace of Allah be upon him) said: “It is not permissible to arrange a loan combined with a sale.” Narrated by al-Tirmidhi (1234), Abu Dawud (3504) and al-Nasa’i (4611); classed as sahih by al-Tirmidhi and al-Albani.
Based on this hadith, the jurists determine that it is haram to combine a loan with a business transaction.
It says in a statement of the Islamic Fiqh Council, explaining the prohibition on dealing in margins: Secondly, if the middleman stipulates that the customer should do business through him, this leads to combining a loan and a business transaction (brokerage), and this comes under the heading of combining a loan and a sale, which is prohibited according to Islamic teachings in the hadith of the Prophet (blessings and peace of Allah be upon him): “It is not permissible to arrange a loan combined with a sale.” Narrated by Abu Dawud (3/384) and by al-Tirmidhi (3/526), who said: It is a hasan sahih hadith. Thus he will have benefitted from his loan, and the jurists are unanimously agreed that every loan that brings a benefit is riba, which is forbidden.
End quote from Majallat al-Majma‘ al-Fiqh al-Islami, issue no. 22, p. 229.
For the full text of the statement, please see the answer to question no. 106094 .
If we assume for the sake of argument that what the bank said is genuine, and is not a trick or scam, it is very unlikely that someone could become a partner in buying raw materials and preparing them, then selling them, and only take 4% of the profits!
That applies if he is contributing his labour only, which is unlikely, so how about if he also contributes money and gives you a sum equal to one third of your money to be added to your account!
You must beware of dealing with these organisations whose work cannot be seen and it is impossible to watch how they operate. What you have mentioned of the transaction is sufficient to deem it haram, as noted above.
And Allah knows best.
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