Distributing Vouchers as Zakaat

Q: Some organizations are issuing vouchers to the effect that the recipients of Zakaat can purchase groceries to the value of an x amount (e.g. R 200) from certain shops/supermarkets. Is it permissible for these organizations to sell these vouchers at par value (exact amount on the vouchers) to third parties who wish to distribute their own Zakaat to needy recipients themselves?

Investing Money in the Banks

Q: I have a question about investing money in the Bank. Few banks are offering me to open a monthly saving account. They are promising me a profit of 11.5% every month for investing with them. I will be receiving this amount without losing my investment. Is this permissible in Islam?