Is zakaah due on his money in the bank to which he does not have access?
Question

                My name is in the bank account but i do not have access to that account do i have to pay zakat on that money.
Praise be to Allah.
      One of the conditions of it being obligatory to pay zakaah 
      is that one should have full possession of the minimum amount (nisaab) and 
      some scholars say that he should full  control of it; money to which the 
      owner does not have access is not subject to zakaah because he is not in 
      full possession of it. 

    It says in al-Mubdi‘ (2/166) concerning the conditions 
    of zakaah being obligatory: 

    … (4) Full possession, because incomplete possession is not a 
    complete blessing and it [zakaah] is only due in return for a complete 
    blessing, because full possession refers to what he has in hand, to which no 
    one else has any right and he may dispose of it as he chooses and the 
    benefits of it all come to him. This was stated by Abu’l-Ma‘aali. End 
    quote. 

    Based on that, if the money in the bank is not accessible to 
    you and you cannot withdraw it, then no zakaah is due on it, even if the 
    money remains in the bank for several years. It comes under the same heading 
    as wealth that is missing or has been stolen or taken by force. 

    Shaykh al-Islam Ibn Taymiyah (may Allah have mercy on him) 
    said: It [zakaah] is not due on a debt owed by one who is in difficulty or 
    one who is taking too long to pay or the one who denies (that he owes 
    anything), or wealth that has been taken by force, stolen or lost, or wealth 
    that has been buried and its location forgotten or wealth when it is not 
    known who has it. This is one report from Ahmad, and it is the view favoured 
    by and regarded as sound by a number of his companions. It is also the view 
    of Abu Haneefah. End quote. 

    Al-Ikhtiyaaraat, p. 146 

    It is better and more on the safe side if, when taking 
    possession of the money even if it is after several years, to pay zakaah of 
    one year. 

    Shaykh Ibn ‘Uthaymeen (may Allah have mercy on him) was asked 
    about orphans who have money in the bank and are not able to access it until 
    after they grow up. 

    He replied: … Zakaah must be paid on the money of these 
    orphans who are minors, but if it is in the bank and they have no access to 
    it and cannot withdraw it from the bank, then they do not have to pay zakaah 
    during the period in which the bank withholds it, because they are not able 
    to make use of their money, so it is like a debt owed by one who is in 
    difficulty. But when they take it from the bank, they should pay zakaah for 
    one year only. 

    End quote from Noor ‘ala al-Darb. 

    And Allah knows best.