Opening a Bank Account. Agor cyfrif banc. Information on different types of accounts and what they offer. nhw n ei gynnig. gyfrifon a r hyn y maen

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1 nhw n ei gynnig. Agor cyfrif banc Gwybodaeth am y mathau gwahanol o gyfrifon a r hyn y maen Mai 2014 Opening a Bank Account Information on different types of s and what they offer. May 2014

2 Felly pam agor cyfrif? Bydd pob budd-dal yn cael ei dalu i mewn i gyfrif banc yn fuan. Mae n fwy diogel talu arian i gyfrif, a byddwch yn cael yr arian yn gynt. Os ydych yn chwilio am swydd, mae r rhan fwyaf o gyflogwyr bellach yn mynnu talu cyflog i gyfrif banc. Gallwch arbed arian drwy dalu ch biliau drwy ch cyfrif. Mae n eich helpu i gadw llygad ar faint rydych chi n ei wario drwy gyfriflenni rheolaidd, neu gallwch ddefnyddio bancio ar-lein ar eich ffôn symudol. Fydda i n gallu agor cyfrif banc os oes gen i hanes o gredyd gwael? Fel arfer, bydd y banc yn edrych dros eich hanes credyd cyn agor unrhyw gyfrif, ond ni ddylai hanes o gredyd gwael eich atal chi rhag agor cyfrif banc. Pa mor hir y bydd yn ei gymryd i sefydlu r cyfrif? Ni ddylai gymryd mwy na 10 diwrnod i'r cyfrif gael ei agor a'i weithredu, cyhyd â bod dim problemau gyda'ch dogfennau adnabod a dilysu. Why open an? Soon all benefits will have to be paid into a bank. Having money paid into an is safer you will receive your money quicker. If you are looking for work or in employment, most employers now insist on paying wages into an. You can save money by paying your bills through your. Helps you keep track of how much you are spending through receiving regular statements or you can access online banking using smart phone apps. Os oes angen cyngor neu gymorth arnoch i agor cyfrif banc, cysylltwch â: Yr Hyb Cynghori, Llawr Cyntaf, Tŷ Marland Will I be able to open a bank if I have a poor credit history? Usually your credit history will be checked before any of these s can be opened, but poor credit history should not prevent you opening a basic bank. How long will it take for a bank to be set up? It should not take more than 10 days to have the up and running, provided there are no problems with your identification and verification documents. If you require any advice or assistance with opening a bank please contact: The Advice Hub, 1 st Floor, Marland House

3 Beth sydd ei angen arnaf i agor cyfrif banc? Mae angen dwy ddogfen ar y rhan fwyaf o fanciau, sef un i brofi pwy ydych chi a r llall i brofi lle rydych yn byw. Y dogfennau mwyaf defnyddiol yw: Pasbort y DU neu AEE, neu drwydded gyrru cerdyn â llun. Bil diweddar (nwy, trydan, treth gyngor, ond dim un ffôn symudol) yn dangos eich cyfeiriad. Llythyr penderfyniad ar fudd-dal diweddar. Os nad oes gennych unrhyw un o r dogfennau hyn, mae ffyrdd eraill o brofi pwy ydych chi, ac mae gan bob banc weithdrefnau hyblyg ar gyfer derbyn dogfennau penodol eraill. Gallwch drafod hyn â r staff yn y banc. Gofynnwch i bob banc unigol pa ddogfennau sydd eu hangen arnynt i agor cyfrif i chi. Sicrhewch fod sillafiad eich enw a r un cyfeiriad ar yr holl ddogfennau. Gwnewch yn siŵr taw'r un ddiweddaraf yw unrhyw ddogfen sydd gennych, fel bil. Mae pob banc yn gwneud copi o ch dogfennau ac yn rhoi'r rhai gwreiddiol yn ôl i chi. Gall yr Hyb Cynghori roi ffurflen i chi fynd â hi i ch banc lleol a fydd yn eich arwain drwy r broses o agor cyfrif banc. Pa fath o gyfrif y dylwn ei agor? Mae nifer o gyfrifol gwahanol ar gael, gan gynnwys: banc Cyfredol Undeb Credyd What do I need to open a bank? Most banks need you to provide two different documents one to prove who you are, and one to prove where you live. The most useful documents are: A UK or EEA passport or a photo card driving licence. A recent bill (gas, electricity, council tax, but no mobile phone) showing your current address. A recent benefit decision letter. If you don t have any of these documents, there are other ways to prove your identity and each bank has flexible procedures for accepting certain other documents. You can discuss this with staff at any of the banks. Check with each individual bank to see which documents they require to open an. Make sure all the documents you provide have the same spelling of names and same address. Make sure any document, such as a bill, is the most recent available. All banks take a copy of your documents and give the originals back to you. The Advice Hub can give you a form that you can take to your local bank which will guide you through the process of opening a basic bank. What type of should I open? There are a number of different s available these include: Basic bank Current Credit Union

4 Prif nodweddion a gwasanaethau cyfrifon gwahanol Nodweddion banc Talu biliau a thynnu arian allan o dwll yn y wal Gallu trefnu debydau uniongyrchol ac archebion sefydlog Cael cyflog/budd-daliadau yn uniongyrchol i r cyfrif hwn Cerdyn debyd y gallwch ei ddefnyddio mewn siopau a thwll yn y wal Dewis da os oes gennych hanes o gredyd gwael neu ddim incwm * Cyfle o gael sieclyfr Gwrthod cyfrif os oes gennych ddyledion dros 500/ gorchymyn llys cyfredol yn eich erbyn Y cyfrif banc symlaf i w agor a i reoli Rheoli r cyfrif ar-lein/bancio symudol Sieclyfr lenni banc rheolaidd sy n dangos taliadau a balans. Cyfredol Main features and services of different s Dim angen arian i agor y cyfrif Caniatáu i incwm gael ei ennill ar yr arian sydd gennych Features Basic Bank Account Current Account Pay bills & withdraw money from a cash machine Direct debits and standing orders can be set up Receive wages/benefits directly to this Gorddrafft Dim ffioedd i w talu Codi am gyfrif ond yn cynnig gwobrau, arian yn ôl a chyfraddau llog da * Dangosir pob cyfrif yn y daflen hon Debit card given which can be used in shops & cash machines * Good option if you have poor credit history or no income Possibility to get a cheque book Refusal of an if you have debts of more than 500/outstanding court judgement against you Simplest bank to open and manage Manage online/mobile banking Cheque book Regular bank statements showing payments & balance. No money needed to open the Allows interest to be earned on the money you have Overdraft facility No fees to pay Charge for but they offer rewards, cash back & good interest rates * All basic s shown in this leaflet

5 Geirfa termau bancio Archeb sefydlog: ffordd o wneud taliadau rheolaidd i rywun drwy drefnu â ch banc. Os nad oes digon o arian yn eich cyfrif i dalu r archeb sefydlog, bydd y rhan fwyaf o fanciau n codi ffi arnoch. Debyd uniongyrchol: ffordd o dalu biliau. Rydych yn trefnu r taliad hwn â ch cyflenwr ac yn rhoi manylion eich cyfrif iddo. Os nad oes digon o arian yn eich cyfrif i dalu r debyd uniongyrchol, bydd y rhan fwyaf o fanciau n codi ffi arnoch. Gorddrafft: Gorddrafft a awdurdodwyd yw un y cytunwyd arno â ch banc. Cewch fenthyca hyn a hyn o arian, sydd wedi i osod ymlaen llaw. Fel arfer codir arnoch am ddefnyddio gorddrafft, ond mae faint y bydd yn rhaid i chi ei dalu, a math y ffi, yn amrywio rhwng banciau. Mae mynd i fwy o orddrafft na r lefel a ganiateir, neu fynd i ddyled o gwbl pan nad yw banc wedi cytuno ar lefel benodol o orddrafft, yn rhywbeth i w osgoi ar bob cyfrif. Cerdyn debyd: cerdyn talu plastig sy n gysylltiedig â ch cyfrif banc a ddefnyddir i dalu am nwyddau a gwasanaethau. Mae hefyd yn eich galluogi i godi arian o dwll yn y wal neu gael arian yn ôl o siopau sy n cynnig y gwasanaeth hwn. Cerdyn debyd wedi i ragdalu: gallwch roi arian ar y cerdyn ymlaen llaw a i ddefnyddio fel unrhyw gerdyn talu arall mewn siopau neu ar-lein, ac mae n gweithio yn y rhan fwyaf o dyllau yn y wal hefyd. Dydy r cerdyn ddim yn gysylltiedig â ch cyfrif banc a gallwch ond wario r arian rydych yn ei roi arno, felly ni allwch fynd i orddrafft na dyledion. Cerdyn Arian Parod: cerdyn talu plastig sydd ond yn caniatáu i chi godi arian o dwll yn y wal. Ond ni allwch dalu am nwyddau a gwasanaethau ag ef yn bersonol, ar-lein na thros y ffôn. Bancio ar-lein: mae hyn yn eich galluogi i fancio ar y we. Gallwch wneud pethau fel trosglwyddo cyfrifon, gweld eich balans, talu biliau, rheoli debyd uniongyrchol ac archebion sefydlog a gall hyd yn oed gynnig ceisiadau am fenthyciadau a chardiau credyd ar-lein. Gallwch weld gwybodaeth am y cyfrif ar unrhyw bryd yn unrhyw le. Banking terms explained Standing order: a way of making regular payments to someone which is arranged with your bank. If there is not enough money in your to send the standing order, most banks will charge a fee. Direct debit: a way of paying bills. You arrange this payment with your supplier and give them your details. If there is not enough money in your to send the direct debit, most banks will charge a fee. Overdraft: An authorised overdraft is one that has been agreed with your bank. You are allowed to borrow up to a pre-set overdraft limit. Normally you re charged for using the overdraft although how much you pay and the type of fee may vary from bank to bank. Exceeding your authorised overdraft limit, or going into the red when the bank has not agreed an overdraft limit, is known as an unauthorised overdraft and should be avoided at all costs. Debit card: a plastic payment card which is linked to your and is used to pay for goods and services. It also allows you to withdraw money from cash machines or get cash back from shops that offer this service. Prepaid debit card: money can be loaded up in advance and used like any other payment card in shops or online and most work at cash machines too. The card isn t linked to a bank and you can only spend the money you put on it, so you can t go overdrawn or run up debt.when the money runs out you top up the card, just like a pay-as-you-go mobile phone. Cash card: a plastic payment card which only allows you to make cash machine withdrawals. It doesn t allow you to pay for goods and services in person, online or over the phone. Online banking: enables you to perform banking activities via the internet. Such as transfers, balance enquiries, bill payments, managing direct debits and standing orders and some even offer online loan and credit card applications. Account information can be accessed any time and can be done from anywhere.

6 Undeb Credyd Caerdydd a r Fro Cynilo Undeb Credyd Caerdydd a r Fro Cynilwch drwy archeb sefydlog gan eich banc/cymdeithas adeiladu, gan ddefnyddio cerdyn aelodaeth yn unrhyw Swyddfa r Bost neu PayPoint, drwy Siec neu arian parod mewn swyddfa, neu gerdyn credyd neu ddebyd dros y ffôn/ar-lein. Caiff llog ei dalu ar gynilion drwy ddifidend blynyddol (yn dibynnu ar elw). Gallwch dynnu ch cynilion allan drwy gysylltu â r swyddfa, trosglwyddiad BACS i ch banc/cymdeithas adeiladu, siec yn daladwy i ch hun/trydydd parti neu siec arian parod agored, a wneir yn daladwy i chi. Rhent Undeb Credyd Caerdydd a r Fro Gallwch dalu incwm i ch cyfrif drwy archeb sefydlog. Talwch yn Swyddfa r Post, PayPoint, dros y ffôn neu gyda cherdyn talu r Undeb Credyd. Ffi drafod o 5 y mis (gallai ch landlord wneud cytundeb â r Undeb Credyd i dalu r ffi hon). Rhoddir rhent i r naill ochr o gynilion rheolaidd yn y cyfrif a gellir ei dalu n uniongyrchol i ch landlord. Mae modd trefnu taliadau i ch landlord drwy roi gwybod faint rydych chi n ei dalu a pha mor aml rydych chi n talu. Caiff rhent ei roi i r naill ochr a gallwch drosglwyddo r gweddill i gyfrif banc, codi arian drwy siec neu wneud cais am y cerdyn wedi i ragdalu. Cardiff & Vale Credit Union Savings Account Save by standing order from your bank/building society, using a membership card at any Post Office or PayPoint outlet, by Cheque or cash at office, debit or credit card by telephone/online. Interest is paid on savings in the form of an annual dividend (subject to profit). If you are a member of the Cardiff & Vale Credit Union you have access to affordable loans. Savings can be withdrawn by contacting the office, by BACS transfer to your bank/building society, cheque payable to yourself/third party or open cash cheque which will be made payable to you. Ffôn E-bost: info@cardiffcu.com  diddordeb mewn cael cyfrif Undeb Credyd Caerdydd a r Fro? Cysylltwch â: Llawr Cyntaf, Hyb Cynghori, Tŷ Marland, Caerdydd, CF10 1PN Cardiff & Vale Credit Union Rent Account Income can be paid into your by standing order. Make payments at Post office, Paypoint, telephone or with Credit Union payment card. 5 per month handling fee (your landlord could enter into the agreement with the Credit Union to cover this fee). Rent is set aside from regular savings in the and can be paid directly to your landlord. Payments can be arranged to your landlord by informing how much to pay and how often. Interested in a Cardiff & Vale Credit Union? Please contact: 1st Floor, Advice Hub, Marland House, Cardiff, CF10 1PN Tel info@cardiffcu.com Website: Rent is set aside and remaining funds can be transferred into a bank, cash a cheque or you can apply for the prepaid card. Os ydych yn aelod o Undeb Credyd Caerdydd a r Fro gallwch fanteisio ar fenthyciadau fforddiadwy.

7 Cerdyn Swyddfa'r Post Manteision ac anfanteision y cyfrif hwn Mae n benodol ar gyfer derbyn pensiynau, budd-daliadau a chredydau treth sy n cael eu rhoi n uniongyrchol yn eich cyfrif Gallwch dalu ch biliau ag arian parod, cerdyn, siec, Archeb Bost neu Gerdyn Cyllideb Swyddfa'r Post Os oes angen i chi dalu biliau, ychwanegu credyd i ch ffôn symudol neu'ch mesurydd nwy neu drydan, gallwch fynd i gangen leol Swyddfa'r Post a gwneud hynny dros y cownter neu mewn gorsaf dalu Os ewch â ch bil, cerdyn talu ffôn symudol, cerdyn neu allwedd trydan i ch cangen leol a rhoi gwybod faint yr hoffech ei dalu, bydd Swyddfa'r Post yn gwneud popeth i chi ac yn rhoi derbynneb i chi Dim cardiau credyd, gorddrafft na ffioedd ar y cyfrif Ni elli talu unrhyw incwm arall i r cyfrif hwn e.e. eich cyflog Gallwch ond godi arian neu weld eich cyfrif yn Swyddfa'r Post Ni allwch drefnu taliadau bil awtomatig, fel debyd uniongyrchol neu archebion sefydlog Yn fuan bydd yn rhaid talu pob budd-dal i gyfrif banc a byddwch yn gyfrifol am dalu ch rhent eich hun, ac ni allwch dalu ch rhent drwy ddebyd uniongyrchol nac archeb sefydlog. Post Office Card Account Advantages and disadvantages of this Specifically designed for receiving pensions, benefits and tax credits which are credited directly to your No other income can be paid into this, eg your salary Your bills can be paid by cash, card, cheque, Postal Order or Post Office Budget Card Only withdraw cash or check your balance at a Post Office branch If you need to pay bills, add credit to your mobile phone or top up your gas or electricity you can go to your local Post Office branch either over the counter or at a paystation Can t set up automated bill payments such as direct debits and standing orders If you take your bill, mobile E Top-Up card, gas card or electricity key to your local branch and tell them how much you want to pay the Post Office will sort everything out and give you a receipt for your payment Soon all benefits will have to be paid into a bank and you ll be responsible for paying your own rent and won t be able to pay your rent by direct debit or standing order. No credit checks, overdraft facility or charges on the Website:

8 Gwahanol fathau o gyfrifon banc Enw r Banc Barclays Co- Operative Halifax HSBC Lloyds Bank neu TSB Nationwide Natwest RBS Santander Enw r cyfrif cerdyn arian parod Cash minder Oedr an ieue ngaf Debyd Uniongyrchol ac Archeb Sefydlog Tâl am Ddebyd Uniongyrchol neu Archeb Sefydlog nas talwyd 18 Oes 8.00 Easycash 16 Oes banc arian parod Cerdyn Arian Parod Flex cyfredol 16 Oes (hyd at 3 y diwrnod) 18 Oes Oes (hyd at 3 y diwrnod) 18 Oes Oes 18 Oes 6.00 (hyd at yn ystod unrhyw gyfnod codi tâl) 6.00 (hyd at yn ystod unrhyw gyfnod codi tâl) 16 Oes Mae r wybodaeth yn gywir ar yr adeg cyhoeddi, ond gall newid. Cadarnhewch gyda ch banc neu gymdeithas adeiladu. Different types of basic bank s Bank Name Name of Min age Standing Order & Direct Debit Charge for unpaid Direct Debit or Standing Order Barclays Cash card 18 Yes 8.00 Co- Operative Cashminder 16 Yes Halifax Easycash 16 Yes 10 (max 3 per day) HSBC Basic bank 18 Yes Lloyds Bank or TSB Cash 18 Yes (max 3 per day) Nationwide Flex Cash Card 18 Yes Natwest Basic 18 Yes 6.00 (max in any charging period) RBS Basic 18 Yes 6.00 (max in any charging period) Santander Basic current 16 Yes This information is correct as at time of print, but is subject to change. Please check with your chosen bank or building society