Can the returns on savings certificates be spent on the home and children, and can they be given as an ongoing charity on behalf of a deceased person?

If you have earnings from a prohibited savings certificate, you must dispose of them by spending them on public welfare for Muslims, such as sponsoring orphans or assisting the needy. It is not permissible to spend them on children or household needs unless the person is poor and in need, in which case it is permissible for them to take from it according to their need. It is not permissible to designate usurious earnings as an ongoing charity for a deceased person. Rather, they must be spent on the welfare of Muslims with the intention of disposing of them, not with the intention of drawing closer to Allah through them.