Does Zakat become obligatory on a sum of money deposited in a bank that yields semi-annual returns, if a new lunar year (hawl) has passed over it, but it will be withdrawn to furnish a home?

If the deferred dowry is deposited in an Islamic bank, then zakat (definition) is obligatory on it along with its profit, once a year has passed over it and it has reached the nisab (definition). However, if it is deposited in a usurious bank, then zakat is obligatory only on the principal amount after a year has passed over it and it has reached the nisab. The usurious interest must be disposed of by spending it on charitable causes, as it is forbidden and zakat is not obligatory on it. It should be noted that depositing money in usurious banks is not permissible except out of necessity.