Is zakat obligatory on a sum of money in dollars deposited in a savings account designated for marriage, knowing that a small amount is deducted annually from it as administrative fees, and that its owner possesses nothing but her salary and a platinum certificate from which she pays zakat on the annual profits?

Zakat is obligatory on money under two conditions: that it reaches the nisab (the equivalent of 85 grams of gold or 595 grams of silver), and that a full hawl (lunar year) passes over it. If these two conditions are met for saved money, then zakat of 2.5% becomes obligatory on it. If the money does not reach the nisab, then no zakat is due on it.