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Ask Ustaz: Is Zakat Due on Fixed Deposits?
A common question answered: how to calculate and fulfil your zakat obligations on savings accounts and fixed-term deposits.
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Zakat
Purify your wealth and strengthen the ummah. Calculate your zakat, understand your obligation, and pay it with confidence through Perdaus.
Understanding Zakat
Why Give Your Zakat Through Perdaus?
Zakat is one of the five pillars of Islam — a sacred obligation upon every eligible Muslim to purify their wealth and support those in need. When you channel your zakat through Perdaus, your contribution directly supports:
Islamic education access
Ensuring children from low-income families can continue their madrasah and childcare education.
Da'wah and outreach
Funding programmes that bring Islamic knowledge to new audiences and underserved communities.
Family welfare
Providing financial assistance and counselling support to families facing hardship.
Community development
Investing in infrastructure, educator training, and programme innovation.
Know Your Obligation
Types of Zakat
Zakat harta is payable at 2.5% on wealth you have fully owned for one haul (Hijri year), once the nisab is met.
Zakat on Savings
Payable on the lowest balance held across your savings accounts for one full haul, once the nisab is met.
2.5% of the lowest annual balance
Zakat on Gold
Gold kept as a store of value is zakatable. Gold worn regularly as jewellery follows the uruf (customary use) threshold.
2.5% of the market value above uruf
Zakat on Silver
Silver held as wealth is treated the same way as gold, valued at the prevailing market rate on your haul date.
2.5% of market value
Zakat on CPF
CPF monies become zakatable when withdrawn and in your full possession for one haul.
2.5% of the withdrawn amount
Zakat on SRS
Supplementary Retirement Scheme funds are zakatable once withdrawn and fully owned for one haul.
2.5% of the withdrawn amount
Zakat on Shares
Shares held for trading are valued at market price on your haul date. Long-term holdings are assessed on dividends received.
2.5% of market value or dividends
Zakat on Investments
Unit trusts, bonds and other Shariah-compliant instruments are zakatable on their redeemable value.
2.5% of redeemable value
Zakat on Business
Calculated on net current business assets: trade stock plus receivables, less current liabilities.
2.5% of net current assets
Zakat Fitrah
Zakat fitrah is paid once a year during Ramadhan, before the Eid prayer, on behalf of every Muslim in the household. Perdaus does not currently collect zakat fitrah — please pay it through Muis or an appointed fitrah collection centre.
Nisab & Haul
Zakat Calculator
Work out what you owe in under a minute, then pay it right away.
Zakat Harta Calculator
Enter the value of each asset you have owned for one full haul.
$
Across all bank accounts
$
Above the uruf threshold
$
$
Held for one full haul
$
$
$
$
$
Total zakatable wealth$0.00
Zakat due (2.5%)$0.00
Nisab changes monthly with the gold price. Check the latest Singapore nisab on the Muis website before paying.
This calculator is a guide. For complex holdings, please speak to our amil or refer to Muis for a formal ruling.
Before You Pay
Niat for Zakat
نَوَيْتُ أَنْ أُخْرِجَ زَكَاةَ مَالِي فَرْضًا لِلَّهِ تَعَالَى
Nawaitu an ukhrija zakāta mālī farḍan lillāhi ta'ālā
I intend to give the zakat on my wealth, as an obligation, for the sake of Allah the Almighty.
Recite the niat with your heart present at the moment you hand over or transfer your zakat. Our amil will guide you through the aqad for walk-in and Mobile Amil payments.
Zakat Payment Options
Easy & Secure Giving
We accept zakat payments through multiple channels for your convenience.
Online
We accept online transfers through PayNow, account, and ATM transfers.
Walk-In
We currently accept walk-in zakat collection at our offices, via appointment only (please call before heading to our office).
East — Bedok
Blk 125 Bedok North Road #01-115 Singapore 460125
6513 2315
Opening Hours
Tue – Fri: 10 am to 5 pm
Sat: 9 am to 1 pm
Closed on Sun, Mon, Eve & Public holidays and School holidays
West — Bukit Batok
Blk 364 Bukit Batok St 31 #01-259 Singapore 650364
6513 2300
Opening Hours
Tue – Sat: 9:30 am to 1:30 pm
Closed on Sun, Mon, Eve & Public holidays and School holidays
Modes of Payment
CashNETSChequePayNowBank transferATM / Online banking
What You Need to Bring
- · Your calculated zakat amount
- · Your identification card
- · Your contact details
Following the aqad for your zakat contribution, you will receive:
- · An official receipt for your zakat contribution
- · A small token of appreciation
Mobile Amil
We have a Mobile Amil home collection service for zakat amounts of $500 or more, by appointment only. We accept cash, cheque, and PayNow.
Please call 8127 3729 (Ustaz Raja) to book our Mobile Amil.
We accept only cheques for zakat contributions by post. Please download this form and complete it.
Prepare a crossed cheque to "Perdaus" and write "Zakat" on the back of the cheque. Please attach it with the completed form and send it to:
Attn: Zakat
Perdaus
Blk 361 Bukit Batok St 31
#01-467 Singapore 650361
Where Your Zakat Goes
Beneficiaries
Our services benefit diverse needs that fulfil zakat requirements. They include:
- Dakwah programmes
- Community and humanitarian programmes
- Fees for needy Perdaus students and participants
- Educational sponsorships
- Maintenance and operations of Perdaus as a whole
Perdaus will disburse the zakat fund according to the needs of our beneficiaries for the year, and publicise the disbursement in our Annual Reports.
Read our audited annual reportsThe Eight Asnaf
Fakir
Those with almost no means of livelihood.
Miskin
Those whose income cannot meet basic needs.
Amil
Those appointed to collect and distribute zakat.
Muallaf
New Muslims and those whose hearts are inclined to Islam.
Riqab
Those in bondage or seeking freedom from oppression.
Gharmin
Those in debt for basic and lawful needs.
Fisabilillah
Those striving in the cause of Allah, including da'wah and education.
Ibnus Sabil
Travellers stranded and in need of assistance.
Got Questions?
Zakat FAQs
Answers on nisab, haul, zakat at Perdaus, and payment.
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