What is the ruling on usury that was not disposed of in the early years, and what is the ruling on not paying zakat on money from the beginning?

Placing money in interest-based banks is impermissible, and donating from it does not absolve one of sin. Sincere repentance is obligatory, along with withdrawing the money from the interest-based bank and investing it in a permissible field, or placing it in an Islamic bank. All interest-based gains must be disposed of by spending them on Muslim public welfare or on the poor and needy.

Likewise, sincere repentance is obligatory for delaying zakat for the past seven years. All due zakat for each lunar year must be calculated and disbursed, bearing in mind that interest-based gains are not subject to zakat; rather, they must be given away entirely for Muslim public welfare.

Money acquired during the year from sources other than the growth of existing wealth begins a new lunar year for zakat calculation. This zakat is a debt on one's conscience that is not discharged except by fulfilling it, and repentance is not valid except by performing it.