Haram is haram. There is no other excuse. Taking interest in return for the money lent is not allowed. No matter what Sharia bank or Islami bank calls it. Most of them call it as service charge, or whatever, it's haram. I am Muslim myself and I know it's Haram. If some bullies me because of that, I will take that. In case they can teach me something new.
If someone open a bar a of vodka in the name of Islam, it won't become halam vodka. If people say Bismillah before they drink vodka, it won't become a halal drink. Real practicing Muslims won't debate regarding these things. They will say I said what I had to. No need to spread Fitna.
You are right, I am also a Muslim and taking interest is forbidden in Islam according to Sharia. Some scholars argue that Islamic banks are halal. How can this be, I don't believe it, well, how is Islami Bank surviving? Of course, they receive interest on loans. According to some scholars, some people consider it halal to earn interest by keeping money in Islamic banks. Islamic banks, however, give interest on a certain amount of money. Islami bank is haram even if it is named according to Shariah.
A Shariah-compliant bank doesn't issue interest-based loans to its customers, because as you said, taking interest is prohibited in Islam. If a bank calls themselves to be Shariah-compliant and is still dealing in interest through loans,, they are big liars, and someone who practices religion and doesn't want to get involved should never use such a bank or take a loan from them because it is not just about the words but it is all about the actions that are taken.
So, someone who follows Islam religion and also want to take a loan from a bank, they need to make sure that they find a bank that gives them an interest-free loan where once they repay the whole amount, they are free from the loan and would not be asked to pay anything extra on top of that.