{"id":9532,"date":"2026-06-04T10:58:24","date_gmt":"2026-06-04T09:58:24","guid":{"rendered":"https:\/\/meic.cymru\/?p=9532"},"modified":"2026-06-04T11:21:23","modified_gmt":"2026-06-04T10:21:23","slug":"cyfrifon-cynilo-arian","status":"publish","type":"post","link":"https:\/\/meic.cymru\/cy\/2026\/06\/04\/cyfrifon-cynilo-arian\/","title":{"rendered":"Canllaw Defnyddiol i Bobl Ifanc am Gyfrifon Cynilo Arian"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Mae sawl ffordd y gallet ti gynilo (safio) arian, ac un o&#8217;r opsiynau i&#8217;w ystyried yw agor cyfrif cynilo.<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Beth yw cyfrif cynilo?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mae cyfrif cynilo yn le diogel i ti gadw arian at y dyfodol. Yn wahanol i gyfrif banc arferol sy&#8217;n cael ei ddefnyddio ar gyfer gwario bob dydd, mae cyfrif cynilo yn talu llog (interest) fel arfer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Llog yw arian sy&#8217;n cael ei ychwanegu gan y banc am gadw&#8217;r arian gyda nhw. Yr uchaf yw&#8217;r gyfradd llog (interest rate), y mwy o arian bydd yn cael ei ychwanegu. Mae&#8217;n ffordd wych i wylio dy arian yn tyfu dros gyfnod.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cyfrif cynilo mynediad hawdd<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mae cyfrif mynediad hawdd yn un o&#8217;r ffyrdd mwyaf syml i gynilo. Rwyt ti&#8217;n gallu rhoi arian i mewn a thynnu arian allan unrhyw amser. Os wyt ti angen arian yn sydyn ar gyfer anrheg pen-blwydd neu wyliau, mae posib cael at hwn yn syth. Mae&#8217;r gyfradd llog yn eithaf isel fel arfer am ei fod mor hawdd tynnu arian allan. Mae&#8217;n anoddach i ti gynilo hefyd os yw&#8217;r temtasiwn yno i dynnu&#8217;r arian allan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cyfrifon cynilo rheolaidd<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mae cyfrif cynilo rheolaidd ychydig yn wahanol. Mae angen i ti addo rhoi swm penodol o arian i mewn bob mis, fel \u00a310 neu \u00a320. Yn aml y rhain sy&#8217;n cynnig y cyfraddau llog uchaf sydd ar gael. Mae hyn yn dda os oes gen ti swydd rhan amser neu arian poced reolaidd ac yn awyddus i ddechrau cynilo. Ond, gyda&#8217;r cyfrifon yma, mae cyfyngiad ar faint rwyt ti&#8217;n cael rhoi i mewn mis, a bydd y banc yn gostwng y gyfradd llog os wyt ti&#8217;n colli mis neu&#8217;n tynnu arian allan.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized is-style-rounded\"><img loading=\"lazy\" decoding=\"async\" width=\"945\" height=\"531\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2026\/06\/87.jpg\" alt=\"Wad of cash sprawled on table\" class=\"wp-image-9529\" style=\"width:500px\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2026\/06\/87.jpg 945w, https:\/\/meic.cymru\/wp-content\/uploads\/2026\/06\/87-300x169.jpg 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2026\/06\/87-768x432.jpg 768w\" sizes=\"auto, (max-width: 945px) 100vw, 945px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Cyfrifon cynilo tymor penodol<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Os wyt ti&#8217;n chwilio am gyfradd llog sicr, efallai bydd cyfrif tymor penodol yn dda i ti. Rwyt ti&#8217;n cael cyfradd llog uwch wedi&#8217;i warantu am gyfnod penodol, fel blwyddyn neu ddwy. Mae hyn yn golygu y byddi di&#8217; n gwybod yn union faint o arian byddi di wedi elwa erbyn y diwedd. Ond y broblem yw na fedri di gael mynediad i&#8217;r arian yma nes bydd y cyfnod wedi dod i ben. Os wyt ti angen yr arian mewn argyfwng, yna ni fedri di gael yr arian yma allan, neu rwyt ti&#8217;n gorfod talu ffi fawr i wneud hyn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Beth yw ISA?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cyfrif Cynilo Unigol yw ISA. Os wyt ti&#8217;n derbyn llawer o arian llog yna gall y llywodraeth gymryd swm o hwn gen ti mewn treth. Gyda ISA, mae&#8217;r holl log rwyt ti&#8217;n derbyn yn hollol ddi-dreth.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mae posib agor ISA Iau pan fydd rhywun yn cael ei eni (gyda help rhiant), a ISA arian parod safonol ar \u00f4l i ti droi&#8217;n 18 oed. Gyda ISA Iau nid wyt ti&#8217;n cael tynnu&#8217;r arian allan nes i ti droi&#8217;n 18. Unwaith i ti droi&#8217;n 18 oed, mae&#8217;r arian yma yn dod yn arian i ti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">MoApiau a photiau cynilo arian<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Os wyt ti dros 16 oed, mae posib agor cyfrifon gyda banciau digidol fel Monzo neu Starling. Mae gan sawl banc traddodiadol y stryd fawr apiau da hefyd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mae gan lawer o&#8217;r apiau yma nodwedd gelwir yn &#8220;potiau&#8221;. Mae hyn yn caniat\u00e1u i ti rannu dy brif cynilon i mewn i gadw-mi-gei digidol llai. Gallet ti alw un pot yn &#8216;Gwyliau Haf&#8217; ac un arall yn &#8216;Esgidiau Newydd&#8217;. Gallet ti osod yr ap i gasglu unrhyw geiniogau dros ben pan fyddi di&#8217;n prynu rhywbeth a&#8217;i roi yn syth i mewn i bot arall. Mae&#8217;n gwneud i gynilo teimlo&#8217;n awtomatig, ac rwyt ti&#8217;n cynilo heb sylweddoli!<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized is-style-rounded\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2026\/06\/86-1024x576.jpg\" alt=\"Person putting money into a piggy bank\" class=\"wp-image-9525\" style=\"width:500px\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2026\/06\/86-1024x576.jpg 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2026\/06\/86-300x169.jpg 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2026\/06\/86-768x432.jpg 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2026\/06\/86-1536x864.jpg 1536w, https:\/\/meic.cymru\/wp-content\/uploads\/2026\/06\/86-2048x1152.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Chwilia o gwmpas am y fargen orau<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mae pob banc yn cynnig cyfraddau llog a manteision gwahanol. Efallai y bydd rhai yn rhoi taleb neu rywbeth am ddim i ti pan fyddi di&#8217;n cofrestru, neu efallai eu bod yn cynnig cyfradd llog llawer gwell. Rho amser i ymchwilio a chymharu ar-lein. Paid aros gyda&#8217;r un banc am fod dy deulu neu ffrindiau yn ei ddefnyddio, edrycha ar rai eraill gyntaf cyn gwneud penderfyniad.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cynilo os nad wyt ti&#8217;n ddigon hen<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Os wyt ti&#8217;n rhy ifanc i agor cyfrif ar ben dy hun, neu os nad oes gen ti&#8217;r ID sydd ei angen eto, paid poeni. Gallet ti ofyn i riant, gofalwr, neu oedolyn gallet ti ymddiried ynddynt, i agor cyfrif cynilo plentyn i ti. Nhw fydd \u00e2 rheolaeth o&#8217;r cyfrif, ond dy arian di ydyw.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gallet ti hefyd gynilo gydag arian parod. Mae cael cadw-mi-gei neu jar yn dy ystafell wely yn ffordd dda i gychwyn. Mae gweld y ceiniogau a&#8217;r arian papur yn pentyrru mewn jar yn deimlad boddhaol iawn. Mae pob ceiniog rwyt ti&#8217;n arbed nawr yn helpu ti yn hwyrach ymlaen.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Angen help?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ymwela \u00e2 <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/savings\/how-to-save\">gwefan Helpwr Arian<\/a> am wybodaeth bellach ar sut i gynilo, ac i ddefnyddio eu cyfrifiannell cynilo neu gynlluniwr cyllideb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cer draw i&#8217;n <a href=\"https:\/\/meic.cymru\/cy\/arian\/\">tudalennau gwybodaeth Arian<\/a> am wybodaeth a dolenni,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Os wyt ti angen siarad \u00e2 rhywun i gael arweiniad, neu i sgwrsio am boenau arian, cysyllta \u00e2 Meic i siarad gyda chynghorwr cyfeillgar.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mae sawl ffordd y gallet ti gynilo (safio) arian, ac un o&#8217;r opsiynau i&#8217;w ystyried yw agor cyfrif cynilo. Beth yw cyfrif cynilo? Mae cyfrif cynilo yn le diogel i ti gadw arian at y dyfodol. Yn wahanol i gyfrif banc arferol sy&#8217;n cael ei ddefnyddio ar gyfer gwario bob dydd, mae cyfrif cynilo yn [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":9528,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1624],"tags":[2372,5144,5146,5145,5147,5149,5148,5140,5141,4736,5142],"class_list":["post-9532","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-arian","tag-arian","tag-cyfrif-cynilo-mynediad-hawdd","tag-cyfrif-cynilo-rheolaidd","tag-cyfrif-cynilo-tymor-penodol","tag-cyfrifon-cynilo","tag-cyfrifon-cynilo-arian","tag-cyfrifon-safio-arian","tag-easy-access-savings-account","tag-fixed-term-savings-account","tag-isa-cy","tag-regular-savings-account"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Canllaw Defnyddiol i Bobl Ifanc am Gyfrifon Cynilo Arian - Meic<\/title>\n<meta name=\"description\" content=\"Mae sawl ffordd y gallet ti gynilo (safio) arian, ac un o&#039;r opsiynau i&#039;w ystyried yw agor cyfrif cynilo. 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