The meaning of Riba for Muslim is very important because ti is forbidden by Islam Religion, however the different interpretation of Riba makes different perception of Bank Interest including among Muslim Scholars. The purpose of this research is to uncover the meaning of Bank Interest and Riba by Muslim bank customers who are currently customer of Conventional and Sharia (Islamic) Bank The research use s qualitative approach with phenomenology perspective through in-depth interviews. All Informants are Muslim who have or are currently customers of Conventional and Islamic Bank. Informants were selected by a purposive sampling method, located in Jakarta and Bandung. The results show that the informants interpret Riba negatively. Not all informants agreed that Bank Interest is similar with Riba, therefore there are inconsistent informants who are in one side, they agree the Bank Interest is Riba, but they remains as Conventional Bank customers for various reasons.