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There are many Islamic ways for giving charity through banking channels , online and through charity organizations.
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The premises of your question are objectionable.
Religious people may give out for Divine reward, but they also give out because religion teaches them to practice compassion and charity. Religion tells them that they make up one family descending from Adam and Eve, and together they are like brothers and sisters; that they must be concerned for one another....
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Sadaqah should be done out of halal wealth.
ما تصدق أحد بصدقة من طيب، ولا يقبل الله إلا الطيب
No one gives charity from a lawful source - and Allah does not accept anything except that which is lawful ...
— Bukhari and Muslim
With respect to what some scholars might have said regarding riba, note that it is suggested as a way to dispose of the haram income,...
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