Is the Zakat and the Sadaqat debt owed on money deposited by the father in Faisal Islamic Bank of Egypt for ten years, which was withdrawn with its profits and spent on building a house, considered a debt upon him and his heirs after his death?

If the bank does not pay zakat on the deposit, it remains a debt upon its owner that is not waived by the passage of years. It must be paid for all past years, and this obligation is not removed by spending the money after zakat became due. As for the profit on the money, if the bank operates in accordance with Sharia, the profit is added to the principal, and zakat becomes due on it every year. However, if the bank deals with usury (riba) and the father was not excused by ignorance, then the money generated from usury is unlawful (haram) and must be disposed of by spending it on general charitable causes. There is no zakat on it, and the obligation to dispose of it is not waived by spending it on one's own benefit. If he passes away with this debt upon him, it is to be paid from his estate before its division.