Answered by Mufti Mohammed Tosir Miah
I have money in various bank accounts that are on my name but the money is added to the account by my parents for my spending as I study outside and I don’t earn also I am around 23 years old female and I am accountable to my parents if I spend the money and have to do according to their permission as the money is primarily theirs and they have given it in my account for me but I
cant spend it myself without their permission do I have to give zakaat on this money
There are two parts to your question. The first part is that zakat will be obligatory on the money given by your parents. When your parents made you the owner of the money, you are now considered to be the legal owner of it, hence, after the passing of one lunar year, zakat will be obligatory. (Raddul Muhtar p.5 v.2)
The second part of your question is that as your parents told you that you cannot spend the money without their permission, that will be considered as an order or command from your parents, which if you fail to comply with, you will be sinful for disobeying your parents.
Sayyiduna Abu Bakrah narrates that the Holy Prophet said: As for all those other sins, Allah Ta’ala defers whichever He wills up to the Last Day of Qiyamah – except the sin of depriving parents of their rights and disobeying them. The punishment for that is given, much before the Hereafter comes, right here in this world as well. (Bayhaqi, Shuab Al-Imaan)
The conclusion of your question is that:
Zakat will be obligatory on the money your parents gave you as long as they made the owner of it.
You should not spend it without their consent otherwise you will be sinful.
Only Allah Knows Best
Mohammed Tosir Miah
Darul Ifta Birmingham