Canllaw i Gyfrifon ISA

Mae ein Canllaw i Gyfrifon ISA yn rhoi mwy o wybodaeth i chi am y cyfrifon cynilo di-dreth hyn.

Beth yw ISA?

An ISA is an Individual Savings Account. If you save in an ISA, you are entitled to keep all that you receive from that investment and not pay any tax on it.

Each year, the Government sets how much you can save in an ISA and there are four types of ISAs available – Cash ISA, Stocks & Shares ISA, Lifetime ISA and Innovative Finance ISA.  Here at Principality we offer a range of Cash ISAs only.

Beth yw’r gwahaniaeth rhwng ISA Arian Parod ac ISA Stociau a Chyfranddaliadau?

Mae ISA Arian Parod yn caniatáu i chi gynilo mewn rhywbeth fel cyfrif cadw, a gydag ISA Stociau a Chyfranddaliadau gallwch fuddsoddi yn y farchnad stoc.

Ar ôl sefydlu ISA, nid oes rhaid i chi dalu treth incwm na threth enillion cyfalaf, er y bydd rhaid i chi dalu trethi eraill o bosibl, os ydynt yn berthnasol i chi.

Mae gan y Principality amrywiaeth wych o ISAs Arian Parod, o gyfrifon dim rhybudd i fuddsoddiadau mwy hirdymor. Gall ISAs Arian Parod fod am gyfnodau sefydlog ac ar gyfraddau sefydlog neu amrywiol.

Sawl ISA allaf i ei gael?

Investors may only pay into one type of each ISA (Cash ISA, Stocks & Shares ISA, Lifetime ISA and Innovative Finance ISA) each tax year, the ISA allowance can be split as desired between a Cash ISA, a Stocks & Shares ISA, a Lifetime ISA (maximum £4,000) and an Innovative Finance ISA. There’s no overall limit to how many ISAs you can have over different tax years and you can keep an ISA going after the end of the tax year when you opened it so it is possible to have lots of ISAs. Here at Principality we offer a range of Cash ISAs.

Faint gaf i ei gynilo mewn ISA?

Each tax year – which runs from 6th April until 5th April the next year – the Government gives you an annual ISA allowance and this can be split as desired between a Cash ISA, a Stocks & Shares ISA, a Lifetime ISA (maximum £4,000) and an Innovative Finance ISA. The ISA allowance for the 2017/18 tax year is £20,000. The ISA allowance is reviewed annually by the Government and ISAs may change in the future.

Depending on the account terms of your Cash ISA, you can choose to pay in the amount of your annual cash ISA allowance as one lump sum into your Cash ISA, or smaller amounts as and when you can.

Os nad ydw i'n defnyddio fy lwfans ISA Arian Parod eleni, a gaf i ei drosglwyddo i’r flwyddyn nesaf?

Ni chewch chi gario lwfans ISA un flwyddyn drosodd i'r flwyddyn nesaf. Os nad ydych chi’n defnyddio’ch lwfans ISA di-dreth llawn erbyn 5 Ebrill, byddwch yn ei golli pan ddaw’r flwyddyn dreth i ben. Felly, mae’n bwysig gweithredu nawr.

A gaf i drosglwyddo arian o gyfrif ISA Arian Parod arall i’r Principality?

Cewch. Mae croeso i chi drosglwyddo i’r Principality oddi wrth ddarparwyr eraill, yn amodol ar Delerau Cyfrif eich ISA Arian Parod. Os oes gennych gynilion ISA gyda darparwr arall, gallwch eu trosglwyddo atom ni a chael y fantais o gadw eich cynilion di-dreth i gyd mewn un lle.

Byddwn yn rhoi cyfarwyddiadau cam wrth gam i chi ar sut i symud oddi wrth ddarparwr arall pan fyddwch yn gwneud cais am eich ISA Arian Parod. Y cyfan sy’n rhaid ei wneud yw llenwi ffurflen Trosglwyddo ISA

Rydym yn cadw at y canllawiau a ddarperir gan Sefydliad y Cymdeithasau Adeiladu (BSA) a Chymdeithas Bancwyr Prydain (BBA). Ein nod yw trosglwyddo cyfrifon ISA o fewn 15 diwrnod gwaith, sef y safon dderbyniol a amlinellir gan y BSA a’r BBA.

Beth pe byddwn i eisiau codi arian o fy ISA Arian Parod?

You can make withdrawals from most Principality Cash ISAs (depending on the account terms), though many fixed term Cash ISAs do not allow withdrawals until their term has finished.

If your account is flexible then you are able to withdraw money from a Cash ISA and replace that money before the end of the same tax year, without it affecting your annual ISA allowance.

Beth os ydw i’n newid fy meddwl?

Os nad ydych chi’n hapus ynglŷn â’ch dewis o ISA Arian Parod gallwch ei ganslo o fewn 14 diwrnod o gytuno i’w agor. Byddwn yn eich helpu i newid i un o’n Cyfrifon eraill neu byddwn yn rhoi eich arian i gyd yn ôl gydag unrhyw log yr ydych wedi’i ennill.

A all unrhywun agor ISA?

Mae ISAs yn eich helpu chi i gynilo’n ddi-dreth ac mae eich sefyllfa dreth yn dibynnu ar eich amgylchiadau personol. Yn gyffredinol, cyn belled â’ch bod yn breswylydd treth yn y DU neu’n gyflogai i’r Goron sy’n gwasanaethu dramor, neu’n briod neu’n bartner sifil i gyflogai i’r Goron sy’n gwasanaethu dramor, a’ch bod dros 16, gallwch agor ISA Arian Parod, neu os ydych chi dros 18, gallwch agor ISA Arian Parod ac ISA Stociau a Chyfranddaliadau.

Beth yw’r gwahaniaeth rhwng ISA Arian Parod cyfradd amrywiol a chyfradd sefydlog?

A fixed rate Cash ISA offers a fixed rate of interest over a set period of time. You normally have to invest your money (usually in a lump sum deposit) for a set period and make no withdrawals within that time. Longer term fixed rates (for example, five year deals) usually offer high rates of interest.

The interest rate for a variable rate Cash ISA will change depending on market conditions. Our variable rate Cash ISAs are flexible. This means you'll be able to withdraw and replace that money before the end of the same tax year without it affecting your annual ISA allowance.