# Moneyworks


## Posts

- [Cartrefi Cymru: Cefnogi staff i ddyfodol ariannol mwy disglair](https://moneyworkswales.com/cartrefi-cymru-cefnogi-staff-i-ddyfodol-ariannol-mwy-disglair/): Mae Cartrefi Cymru yn elusen a sefydlwyd i sicrhau bod pobl ag anableddau dysgu yn cael y gefnogaeth sydd ei hangen arnynt i fyw’n dda yn eu cymuned leol. Gweithlu medrus Mae staff yr elusen yn gweithio yng nghartrefi pobl a chymunedau lleol, gan hyrwyddo annibyniaeth, cynhwysiant cymdeithasol a diogelwch. Sefydlodd Cartrefi Cymru bartneriaeth gyflogres gydag Undeb Credyd Dragonsavers yn 2014 fel rhan o’i ymrwymiad i les ariannol gweithwyr. Mae’r cynllun didynnu cyflogres yn helpu staff i adeiladu pot cynilo yn uniongyrchol o’u cyflog, i helpu i ddarparu byffer ariannol, a chael gafael ar fenthyciadau fforddiadwy pan fydd eu hangen […]
- [Bws Caerdydd: Mae Bws Caerdydd yn gyrru lles ariannol staff.](https://moneyworkswales.com/bws-caerdydd-mae-bws-caerdydd-yn-gyrru-lles-ariannol-staff/): Mae Bws Caerdydd wedi bod yn rhedeg cynllun cynilo a benthyca cyflogres gydag Undebau Credyd Caerdydd a’r Fro am fwy nag 20 mlynedd. Ymagwedd ragweithiol Mae’r fenter gymdeithasol yn cymryd rôl ragweithiol wrth sicrhau bod aelodaeth o Moneyworks wedi’i hymgorffori yn niwylliant y busnesau o gefnogi lles ariannol i staff. Mae ei ddull cyson yn golygu bod bron i hanner gweithwyr y cwmni wedi ymuno â’r cynllun ac yn gallu cynilo neu fenthyca trwy’r gyflogres. Er mwyn sicrhau bod staff yn ymwybodol o’r tâl cyflogres hwn, Bws Caerdydd: Mae’r dull ffocws hwn nid yn unig wedi ymgorffori’r cynllun yn y […]
- [Cyngor Caerdydd: Creu diwylliant lles ariannol](https://moneyworkswales.com/cyngor-caerdydd-creu-diwylliant-lles-ariannol/): Gyda mwy na 1,500 o weithwyr wedi ymuno â chynllun didynnu cyflogres Moneyworks Wales, mae Cyngor Caerdydd wedi dangos arweiniad wrth wella lles ariannol staff. Ymrwymiad lles Mae aelodaeth undeb credyd yn rhan gref o ddiwylliant y Cyngor, gan adlewyrchu ei ymrwymiad i les ariannol staff ac ymrwymiad ehangach i fynd i’r afael â thlodi a benthyca llog uchel. Mae Cyngor Caerdydd yn hyrwyddo lles ariannol staff gyda: Mae Cyngor Caerdydd wedi cynnwys cynllun cyflogres Moneyworks Cymru Undeb Credyd Caerdydd a’r Fro yn ei strategaeth gaffael gyfrifol, gan annog cyflogwyr eraill i’w gynnig i’w staff. Wedi ennill gwobrau! Ym mis […]
- [Cardiff Council: Creating a financial wellbeing culture](https://moneyworkswales.com/cardiff-council-creating-a-financial-wellbeing-culture/): With more than 1,500 employees signed up to a Moneyworks Wales payroll deduction scheme, Cardiff Council has shown leadership in improving the financial wellbeing of staff. Wellbeing commitment Credit union membership forms a strong part of the Council’s culture, reflecting its commitment to staff financial wellbeing and a wider commitment to tackling poverty and high interest lending. Cardiff Council’s promotes staff financial wellbeing with: Cardiff Council has included Cardiff & Vale Credit Union’s Moneyworks Wales payroll scheme in its responsible procurement strategy, encouraging other employers to offer it to their staff. Award winning! In November 2019 Cardiff was awarded Living […]
- [Cardiff Bus: Cardiff Bus drives staff financial wellbeing.](https://moneyworkswales.com/cardiff-bus-cardiff-bus-drives-staff-financial-wellbeing/): Cardiff Bus has been running a payroll savings and loan scheme with Cardiff & Vale Credit Unions for more than 20 years. A pro-active approach The social enterprise takes a pro-active role in ensuring that membership of Moneyworks is embedded in the businesses’ culture of supporting financial wellbeing for staff. Its consistent approach means that nearly half of the company’s employees have joined the scheme and are able to save or borrow through payroll. To ensure that staff are aware of this payroll perk, Cardiff Bus: This focused approach has not only embedded the scheme within the company, staff now […]
- [Cartrefi Cymru: Supporting staff to a brighter financial future.](https://moneyworkswales.com/cartrefi-cymru-supporting-staff-to-a-brighter-financial-future/): Cartrefi Cymru is a charity set up to ensure that people with learning disabilities have the support they need to live well in their local community. Skilled workforce The charity’s staff work in people’s homes and local communities, promoting independence, social inclusion and safety. Cartrefi Cymru set up a payroll partnership with Dragonsavers Credit Union in 2014 as part of its commitment to the financial wellbeing of employees. The payroll deduction scheme helps staff build up a savings pot direct from their salary, to help provide a financial buffer, and access affordable loans when they need them. Staff are also […]

## Pages

- [Polisi preifatrwydd](https://moneyworkswales.com/polisi-preifatrwydd/): Polisi preifatrwydd Dyma bolisi preifatrwydd a chwcis Moneyworks Cymru. A prosiect rhwng chwech undeb credyd yng Nghymru: Undeb Credyd Caerdydd a’r Fro, Undeb Credyd Cambrian, Undeb Credyd Gateway, Undeb Credyd Bwrdeistref Merthyr Tudful, Undeb Credyd Dragonsavers, Undeb Credyd SaveEasy,   Cyflwyniad Mae’r hysbysiad hwn yn disgrifio sut rydym yn casglu, storio, trosglwyddo a defnyddio data personol. Mae’n dweud wrthych am eich hawliau preifatrwydd a sut mae’r gyfraith yn eich amddiffyn. Yng nghyd-destun y gyfraith a’r hysbysiad hwn, mae ‘data personol’ yn wybodaeth sy’n eich adnabod yn glir fel unigolyn neu y gellid ei ddefnyddio i’ch adnabod pe bai wedi’i gyfuno […]
- [Arbed](https://moneyworkswales.com/arbed-neu-benthyg/arbed/): Dechreuwch arfer cynilo Cymerwch y cam cyntaf i arfer cynilo cadarnhaol trwy ddewis eich cyflogwr isod. P’un a yw’n neilltuo arian ar gyfer y Nadolig neu’n creu byffer cynilo i amddiffyn rhag sioc ariannol, mae cynilo gyda Moneyworks Cymru yn syml ac yn rhydd o straen. Pan fyddwch chi’n cynilo gyda Moneyworks Cymru rydych chi’n helpu’ch hun a’ch cymuned i ddyfodol ariannol mwy disglair. Dechreuwch arbed trwy ddewis eich cyflogwr o’r rhestr isod – yna byddwch yn cael eich tywys i’r Undeb Credyd sy’n cefnogi’r partner cyflogres a ddewiswyd. Partneriaid Cyflogres A-C ACE CardiffACT CardiffAdferiad RecoveryAdmiral ADRAAffinity HomecareAge Cymru GwentAirbusAlcumusAmgen […]
- [Arbed neu Benthyg](https://moneyworkswales.com/arbed-neu-benthyg/): Arbed neu Benthyg Pan fyddwch yn cynilo neu’n benthyca trwy Moneyworks Cymru, cymerir didyniadau yn uniongyrchol o’ch cyflog. Dyma’r ffordd ddi-straen i wylio’ch cynilion yn tyfu, rhoi arian o’r neilltu ar gyfer y Nadolig neu achlysur arbennig neu dalu benthyciad. Ni allai fod yn haws arbed gyda Moneyworks Cymru. Cysylltwch â ni a byddwn yn sefydlu’ch cyfrif, yna byddwch chi’n gosod y swm rydych chi am ei arbed bob mis a byddwn ni’n gwneud y gweddill. Gwarantir eich holl gynilion hyd at £120,000 (yn union fel gyda banc neu gymdeithas adeiladu) o dan y Cynllun Iawndal Gwasanaethau Ariannol. Dechreuwch arfer […]
- [Benthyciad](https://moneyworkswales.com/arbed-neu-benthyg/benthyciad/): Gwnewch gais am fenthyciad Dewiswch eich cyflogwr isod i ddechrau eich cais Angen hwb ariannol bach? Rydym yn cynnig benthyciadau fforddiadwy o £100 i £15,000* gyda chyfraddau llog cystadleuol. * Gall symiau benthyciadau amrywio rhwng undebau credyd Payroll Partners A-C ACE CardiffACT CardiffAdferiad RecoveryAdmiral plc ADRAAffinity HomecareAge Cymru GwentAirbusAlcumusAmgen CymruAneurin Bevan University Health Board (Torfaen and Monmouthshire)Archwood GroupArdagh GroupAssociation of Voluntary Organisations (Wrexham)BaavetBangor UniversityBetsi Cadwaladr University Health BoardBikePark WalesBron Afon Community HousingCadarn Housing AssociationCadwyn Housing AssociationCAISCambria MaintenanceCapital LawCardiff AirportCardiff & Vale NHS TrustCardiff and Vale CollegeCardiff BusCardiff CouncilCardiff GalvanizersCardiff Metropolitan UniversityCardiff People FirstCardiff UniversityCardiff Women’s AidCardiff YMCACartrefi ConwyCartrefi Cymru (Cardiff […]
- [Cwestiynau Cyffredin](https://moneyworkswales.com/cwestiynau-cyffredin/): Cwestiynau cyffredin Cwestiynau Cyffredin i Gyflogwyr C1 – Beth yn union yw Moneyworks Cymru, a sut mae’n gweithio? Mae Moneyworks Cymru yn gynllun cynilo a benthyciadau cyflogres sydd wedi ennill gwobrau, ac sy’n cael ei ariannu gan Lywodraeth Cymru. Mae’n gweithio mewn partneriaeth ag undebau credyd (cydweithfeydd ariannol sy’n berchen i aelodau) i ganiatáu i weithwyr sefydliadau sy’n cymryd rhan gynilo a benthyca’n uniongyrchol o’u cyflogau. Mae gweithwyr yn cofrestru drwy wefan Moneyworks Cymru ac yn dewis eu cyflogwr a’r undeb credyd y byddant yn gweithio gydag ef. Caiff didyniadau cyflog eu gwneud cyn diwrnod cyflog, gan hwyluso cynilion a […]
- [Newyddion](https://moneyworkswales.com/newyddion/): Newyddion Cadwch y newyddion diweddaraf a’r blogiaudiweddaraf gan dîm Moneyworks Cymru. O’n diweddariadau partneriaid cyflogres diweddaraf i ymchwil, haciau arbedarian a gwybodaeth, fe welwch y cyfan yma. Ynghyd â’r newyddion a’r blogiau, isod fe welwch ddolenni i offer ac awgrymiadau defnyddiol isod i helpu i gadw’ch cyllid ar y trywydd iawn. Cartrefi Cymru: Cefnogi staff i ddyfodol ariannol mwy disglair Cartrefi Cymru: Cefnogi staff i ddyfodol ariannol mwy disglair • June 25, 2025 Mae Cartrefi Cymru yn elusen a sefydlwyd i sicrhau bod pobl ag anableddau dysgu yn cael y gefnogaeth sydd ei hangen arnynt i fyw’n dda … Bws […]
- [Cyswllt](https://moneyworkswales.com/cyswllt/): Cysylltwch â ni Oes gennych chi unrhyw gwestiynau? P’un a ydych chi’n gyflogwr neu’n weithiwr proffesiynol AD sydd â diddordeb mewn gwybod mwy am sefydlu Moneyworks, yn bartner cyflogres presennol neu’n aelod o staff sydd eisiau gwybod mwy, anfonwch e-bost at ein tîm neu llenwch y ffurflen gysylltu â ni. Sylwch na ellir gwneud ymholiadau cychwynnol dros y ffôn. Email: enquiries@moneyworkswales.com Ein Swyddogion Datblygu Moneyworks Sandra Highfield Rizwan Shams Polisi Preifatrwydd Os hoffech wybod mwy am sut rydym yn casglu ac yn defnyddio ein data ffurflenni cyswllt, mae croeso i chi edrych ar ein PolisiPreifatrwydd. Os oes gennych unrhyw gwestiynau, cysylltwch â […]
- [Gweithwyr](https://moneyworkswales.com/gweithwyr/): Moneyworks Cymru ar gyfer GWEITHWYR Wedi blino ar jyglo biliau a chael trafferth arbed? Mae Moneyworks Cymru yn cynnig ffordd fwy clyfar a symlach o reoli eich arian – yn uniongyrchol o’ch cyflog. Arbedion sy’n adeiladu eu hunain Mae swm bach, cyson yn cael ei roi o’r neilltu’n awtomatig bob diwrnod cyflog. Dim mwy o geisio cofio trosglwyddo arian, dim mwy o eiliadau “wps, gwariais i!”. Mae eich cynilion yn tyfu’n gyson, gan adeiladu rhwydddiogelwch ariannol. Benthyciadau fforddiadwy, ad-daliadau di-straen Angen benthyciad? Mynediad at gredyd teg gydag addaliadau’n cael eu didynnu o’ch cyflog cyn iddynt gyrraedd y banc. Mae hyn […]
- [Cyflogwyr](https://moneyworkswales.com/cyflogwyr/): Moneyworks Cymru ar gyfer CYFLOGWYR Ymunwch â Moneyworks Cymru fel partnercyflogres. Mae ymuno â ni yn broses dri cham gyflym a hawdd: Rydych chi’n gwneud ymholiadcychwynnol, a fydd yn arwain atSwyddog Datblygu Moneyworksyn cysylltu â chi. Bydd y cynghorydd yn egluro mwy am y cynllun, yn ateb unrhyw gwestiynau ac yn eich helpu i integreiddio’r cynllun cyflogres mewn ffordd sy’n gweithio i’ch sefydliad. Unwaith y bydd eich sefydliad wedi ymuno, bydd eich Swyddog Datblygu Moneyworks yn gweithio gyda chi bob cam o’r ffordd. Byddant yn darparu deunyddiau i ledaenu’r gair ymhlith staff, yn darparu sesiynau galw heibio yn ôl yr […]
- [Am Moneyworks Wales](https://moneyworkswales.com/am-moneyworks-wales/): Am Moneyworks Cymru Ni fu erioed amser gwell neu bwysicach i gefnogi llesariannol eich staff. Gyda’n gilydd gallwn wella llesariannol pobl ledled Cymru. Grŵp o undebau credyd ydym ni sydd wedi ymrwymo i wella lles ariannol gweithwyr Cymru. Yn eiddo i aelodau ar gyfer aelodau, fel cwmnïau cydweithredol ariannol rydym yn helpu i gadw arian yn eich poced ac yn cylchredeg yng nghymunedau Cymru. Mae’n hawdd sefydlu cynlluncyflogres ar gyfer eich sefydliad. Pan fyddwch yn cysylltu â Moneyworks Cymrubyddwn yn eich tywys trwy’r broses o sefydlucynllun cyflogres ac yn darparu’r holl wybodaethsydd ei hangen arnoch i’w hymgorffori yn eichpecyn lles […]
- [Cartref Moneyworks Cymru](https://moneyworkswales.com/cartref/): Datgloi Eich Potensial Ariannol Cefnogi lles ariannol Gweithwyr Cymru gyda chynilion a benthyciadau moesegol yn uniongyrchol o’ch cyflog Y cynllun cyflogres moesegol sy’n adeiladu lles ariannol i weithwyr, cymunedau a sefydliadau Cymru. Mae Moneyworks Cymru yn gydweithrediad o cwmni cydweithredol ariannol dielw, gan weithio gyda’i gilydd i adeiladu dyfodol ariannol mwy disglair i weithwyr Cymru. Rydyn ni’n cynnig benthyciadau fforddiadwy ac arbedion syml, gan helpu i yrru arian yn ôl i’r cymunedau lleol rydyn ni’n eu gwasanaethu. Amdanom ni Cefnogi lles ariannol gweithwyr Cymru gydag arbedion moesegol a benthyciadau yn uniongyrchol o’u cyflog. Ydych chi’n Gyflogwr? Mae buddsoddi yn lles […]
- [Borrow](https://moneyworkswales.com/save-or-borrow/borrow/): Apply for a loan today Simply select your employer below to start your application Need a little financial boost? We offer affordable loans from £100 to £15,000* with competitive interest rates. * Loan amounts can differ between credit unions Payroll Partners A-C ACE CardiffACT CardiffAdferiad RecoveryAdmiral plc ADRAAffinity HomecareAge Cymru GwentAirbusAlcumusAmgen CymruAneurin Bevan University Health Board (Torfaen and Monmouthshire)Archwood GroupArdagh GroupAssociation of Voluntary Organisations (Wrexham)BaavetBangor UniversityBetsi Cadwaladr University Health BoardBikePark WalesBron Afon Community HousingCadarn Housing AssociationCadwyn Housing AssociationCAISCambria MaintenanceCapital LawCardiff AirportCardiff & Vale NHS TrustCardiff and Vale CollegeCardiff BusCardiff CouncilCardiff GalvanizersCardiff Metropolitan UniversityCardiff People FirstCardiff UniversityCardiff Women’s AidCardiff YMCACartrefi ConwyCartrefi […]
- [Save](https://moneyworkswales.com/save-or-borrow/save/): Start a savings habit The ethical workplace savings scheme that makes money work for you. Take the first step to a positive savings habit by choosing your employer from the list below. When you save with Moneyworks Wales you help yourself and your community to a brighter financial future. Start saving by choosing your employer from the list below – you will then be taken to the Credit Union who supports the chosen payroll partner Payroll Partners A-C ACE CardiffACT CardiffAdferiad RecoveryAdmiral ADRAAffinity HomecareAge Cymru GwentAirbusAlcumusAmgen CymruAneurin Bevan University Health Board (Torfaen and Monmouthshire)Archwood GroupArdagh GroupAssociation of Voluntary Organisations (Wrexham)BaavetBangor […]
- [FAQs](https://moneyworkswales.com/faqs/): Frequently asked questions Frequently Asked Questions for Employers Q1 – What exactly is Moneyworks Wales, and how does it work? Moneyworks Wales is an award-winning payroll savings and loan scheme funded by the Welsh Government. It partners with credit unions (member-owned financial cooperatives) to allow employees of participating organisations to save and borrow directly from their salary. Employees sign up through the Moneyworks Wales website and choose their employer and the credit union they will be working with. Salary deductions are made before payday, facilitating savings and giving access to fair-priced credit from the credit union, even for those with […]
- [Employers](https://moneyworkswales.com/employers/): Moneyworks Wales for EMPLOYERS Join Moneyworks Wales as a payroll partner. Joining us is a quick and easy three-step process: You make an initial enquiry, which will result in a Moneyworks Development Officer contacting you. The adviser will explain more about the scheme, answer any questions and help you integrate the payroll scheme in a way that works for yourorganisation. Once your organisation is on board, your Moneyworks Development Officer will work with you every step of the way. They will provide materials to spread the word among staff, provide drop-in sessions as needed, and work with your health and […]
- [Employees](https://moneyworkswales.com/employees/): Moneyworks Wales for EMPLOYEES Tired of juggling bills and struggling to save? Moneyworks Wales offers a smarter, simpler way to manage your money – directly from your salary. Savings that build themselves A small, consistent amount is automatically set aside each payday. No more trying to remember to transfer funds, no more “oops, I spent it!” moments. Your savings grow steadily, building a financial safety net. Affordable loans, stress-free repayments Need a loan? Access fair credit with repayments deducted from your wages before they hit the bank. This eliminates the worry of missing a payment, protecting your credit score and […]
- [Contact](https://moneyworkswales.com/contact/): Contact us Have any questions? Whether you are an employer or HR professional interested in knowing more about setting up Moneyworks, an existing payroll partner or a member of staff wanting to know more, please email our team or complete the contact us form. Please note that initial enquiries cannot be made by phone. Email: enquiries@moneyworkswales.com Our Moneyworks Development Officers Sandra Highfield Rizwan Shams Privacy Policy If you would like to know more about how we collect and use our contact form data, feel free to take a look at our Privacy Policy. If you have any questions, please get […]
- [Moneyworks Wales Home](https://moneyworkswales.com/): Unlock Your Financial Potential Supporting the financial wellbeing of Welsh Workers with ethical savings and loans direct from your salary The ethical payroll scheme that builds financial wellbeing for Welsh workers, communities and organisations. Moneyworks Wales is a collaboration of not-for-profit financial cooperatives, working together to build a brighter financial future for Welsh employees. We offer affordable loans and straight-forward savings, helping to drive money back into the local communities we serve. About us Supporting the financial wellbeing of Welsh workers with ethical savings and loans direct from salary. Are You an Employer? Investing in your employees’ financial well-being is […]
- [Save-or-borrow](https://moneyworkswales.com/save-or-borrow/): Save or borrow When you save or borrow through Moneyworks Wales, deductions will be taken direct from your salary. It’s the stress-free way to watch your savings grow, put money aside for Christmas or a special occasion or pay off a loan. Saving with Moneyworks Wales couldn’t be easier. Get in touch and we’ll set up your account, then you set the amount you want to save each month and we’ll do the rest. All of your savings are guaranteed up to £120,000 (just like with a bank or building society) under the Financial Services Compensation Scheme. Start a savings […]
- [News](https://moneyworkswales.com/news/): News Keep up to date on the latest new and blogs from the Moneyworks Wales team. From our latest payroll partner updates to research, money saving hacks and information, you will find it all here. Along with the news and blogs, below you will find tips below to help keep your finances on track. Cardiff Council: Creating a financial wellbeing culture Cardiff Council: Creating a financial wellbeing culture • May 30, 2025 With more than 1,500 employees signed up to a Moneyworks Wales payroll deduction scheme, Cardiff Council has shown leadership in improving the financial wellbeing of … Cardiff Bus: […]
- [Privacy policy](https://moneyworkswales.com/privacy-and-cookie-policy/): Privacy policy This is the privacy and cookie policy of Moneyworks Wales. Moneyworks Wales is a project between six credit unions: Cardiff & Vale Credit Union, Cambrian Credit Union, Gateway Credit Union, Merthyr Tydfil Borough Credit Union, Dragonsavers Credit Union and SaveEasy Credit Union.   Introduction This notice describes how we collect, store, transfer and use personal data. It tells you about your privacy rights and how the law protects you. In the context of the law and this notice, ‘personal data’ is information that clearly identifies you as an individual or which could be used to identify you if […]
- [About Moneyworks Wales](https://moneyworkswales.com/about-moneyworks-wales/): About Moneyworks Wales There has never been a better or more important time to support your staff’s financial wellbeing. Together we can improve the financial wellbeing of people across Wales. We are a group of credit unions committed to improving the financial wellbeing of Welsh workers. Owned by members for members, as financial cooperatives we help keep money in your pocket and circulating in Welsh communities. Setting up a payroll scheme for your organisation is easy. When you contact Moneyworks Wales we will guide you through the process of setting up a payroll scheme and provide you with all the […]


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