Can the percentage deducted by the bank when withdrawing an amount from an interest-bearing account be considered part of the usurious interest, or is it deducted from the principal amount? And is it obligatory to spend the interest on charitable causes immediately, or is delay permissible?

The percentage taken by the bank for withdrawal is calculated from the principal and its interests. The remaining interest must be immediately disbursed for the benefit of Muslims or to the poor and needy. It is permissible to give some of it to poor heirs according to their needs. As for what remains of the principal after deducting the bank's percentage, it is part of the father's inheritance and is distributed among the heirs after fulfilling his debts and executing his will. Whoever deals with a usurious bank should repent to Allah and advise their brethren to abandon dealings involving usury.