Lillah and charity

Using lillah for personal use and doing a transfer into the lillah account and using lillah to pay for bank charges

Q: We have 3 bank accounts from the same bank. One is personal, one is lillah and the other is Zakaat. We use these via the banking app on the phone.

1. Many times, we receive cash lillah donations for which there is no immediate use. Depositing those funds into the account will cost high deposit fees. Can we use that for personal use and then do internal transfer from our personal account to the lillah account? Or is it compulsory to deposit and pay the deposit fees? Who should incur that fee? Donors give any amount like R500 or R2000 or R3000 in cash for general or sometimes specific needs. The deposit fee will then be deducted according to the amount. Who must bear that fee. The internal transfer is primarily meant to save those costs.

2. All 3 accounts incur monthly interest. Withdrawing those interest funds is a cost. Even transferring them via eft is a cost though much less. Can we remove those interest amounts from cash on hand? Again, this is to save lillah and Zakaat funds.

3. When transferring Zakaat to a recipient via eft, there is a bank charge that comes off the Zakaat account. How should this be done or who should bear this cost?

Reward for making an intention to give sadaqah multiple times during the day

Q: Through out the day I keep on making intention that I will give one pence of sadqah and keep the record of how many times I've said it on my notes in my phone. At the end of the day I've recorded that I've made intention of giving sadqah of 1 pence 98 times and then at the end of the day I give £0.98 in sadaqah just once.

I just want to know, do I get separate reward 98 times for making intention and writing it down as sadqah or do I get only one reward when I donate that 98 pence together at the end of the day? Is this bidah

Wasting food and helping people

Q:

1. Is it permissible to throw +/- 10 tons of wheat and rice in the middle of the sea from a boat as food for sea creatures, even though we know that a vast majority of humans are hungry. What does Islām say?

2. I heared a Hadith saying that a person has to fulfill the needs of other persons,

My question is that, how to avoid and discourage people from asking or does one have to fulfill their requirements?

Giving charity to one's father in law

Q: I just started a business of my own. I decided to give 5% charity in the name of Allah from the profits. I just want to know that where should I spend this money.

There is a case among my relatives, my father in law has 7 children; 5 girls and 2 boys. Four of them are married and one is unmarried. The eldest son has a special case with deafness and now going to be blind because they don't have enough money to operate on his eyes. The younger son is not working at all. He just sits at home all the day. The age of my father in law is above 60s. My question is that can I give this money to him?