How is zakat paid on non-fixed funds in the bank that fluctuate throughout the year and are not designated for savings, and how is the nisab that has been held for a full year determined?

Zakat is obligatory on saved money if it reaches the nisab and a hawl (lunar year) passes over it. The nisab is equivalent to 85 grams of gold, and the obligatory amount is 2.5%.

If the money falls below the nisab during the hawl, the hawl is interrupted, and a new hawl begins when it reaches the nisab again.

If the money increases, there is a detailed explanation: - If the new money is a result of the original money (such as profits), all of it is subject to zakat when the hawl of the original sum is completed. - If the new money is not a result of the original (such as monthly savings), the default is to assign an independent hawl to each sum, and the new money is not required to reach the nisab on its own.

For ease, all savings can be subject to zakat when the hawl of the first nisab owned by the person is completed; this is considered an advance payment of zakat.

Combining all savings and paying zakat on them when the hawl of the first nisab owned by the person is completed is the easiest and most rewarding approach, and any excess paid is considered an advanced zakat payment.