Due when the grain is firm or the fruit begins its final appearance and is edible. If for wearing and lending – two opinions. If for savings or business – due by agreement. Currencies should be combined per silver. Gold and silver not to be combined according to most. Remaining general conditions: Islam, freedom, complete ownership, full year ownership, etc. The least of the two (best) for other currencies. 
Consensus of the scholars that the zakat of 200 dirhams is 5 dirhams and that likewise 2.5% is due on gold if it reaches that value. Hadith in Muslim describe the punishment of one who hoards money and doesn’t render its “right”. Zakat is due on gold and silver by text and on all currencies by analogy. Certain of collecting: pay zakat each year even before receiving it. Not sure of collecting: pay zakat of one year in the year you collect. Crops at harvest, minerals/treasure upon extraction. Owning it for the entire year (except crops and minerals). 
A cause of Allah’s pleasure, his increasing bounties, forgiving of sins and blessings upon society.Shows the existence of belief in the giver – that they are willing to give up something beloved for the sake of One more Beloved.Gratitude to Allah for his favors & obedience.Redistribution of wealth, bringing society together and avoiding “class” conflict.Cleanse the wealthy one of greed and train him/her in giving others for Allah’s sake.Purify wealth, enhance its growth, increase its blessing and block its harm.
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