A :
The Zakah is due on money including banknotes, coins, commercial commodities, and the like when it reaches the Nisab (the minimum amount on which Zakah is due) independently; or when other parts of property on which Zakah is due is added after the passing of a Hawl.
The debt does not prevent the obligation of Zakah. May Allah grant us success. May Allah's Peace and Blessings be upon Prophet Muhammad, his family and Companions!