Getting riba unwillingly

I have my money in a bank where you can put your money in a savings account or current account. The bank gives interest every 1 January for both accounts, but current account has lower percentage interest compared to savings account. In Islam, interest/riba is haram,so I contacted the bank and asked if there is any way to avoid the interest but they say no. I could change banks, but I live in Sweden and here there is no Islamic bank, and all banks give interest. All major banks (and maybe all minor banks) in Sweden have introduced 0.25-0.30% interest on current accounts. I know of a small bank that doesn't give interest on current account but I don't know if I can trust them with my money. Can I wait and receive the interest and then donate it, or will I still be punished for it? I don't know what to do and am very afraid that this is not allowed.