Learning a new language often means immersing yourself in various aspects of culture, daily life, and even the professional world. If you’re learning Welsh and are interested in banking and finance, you’ve come to the right place. This article aims to expand your Welsh vocabulary in the fields of banking and finance, providing you with key terms and phrases that will be useful whether you’re opening a bank account, discussing investments, or working in a financial institution.
Basic Banking Terms
Let’s start with some fundamental banking vocabulary that will help you navigate your way through basic banking transactions in Welsh.
– Bank: Banc
– Account: Cyfrif
– Savings Account: Cyfrif Cynilo
– Current Account: Cyfrif Cyfredol
– Bank Statement: Datganiad Banc
– Deposit: Blaendal
– Withdrawal: Tynnu’n ôl
– ATM: Peiriant Arian
– Loan: Benthyciad
– Interest: Llog
– Overdraft: Gorddrafft
– Credit Card: Cerdyn Credyd
– Debit Card: Cerdyn Debyd
– Transfer: Trosglwyddo
– Online Banking: Bancio Ar-lein
Example Sentences
– I need to open a savings account.
Mae angen i mi agor cyfrif cynilo.
– How much interest is on this loan?
Faint yw’r llog ar y benthyciad hwn?
– Can I withdraw money from this ATM?
Alla i dynnu arian yn ôl o’r peiriant arian hwn?
Advanced Financial Vocabulary
As you delve deeper into the world of finance, you’ll encounter more specialized terms. Here are some advanced financial vocabulary words in Welsh.
– Investment: Budd-dal or Buddsoddiad
– Stock Market: Marchnad Stoc
– Shares: Cyfranddaliadau
– Bonds: Bondiau
– Dividend: Difidend
– Capital: Cyfalaf
– Assets: Asedau
– Liabilities: Dyledion
– Equity: Ecwiti
– Portfolio: Portffolio
– Risk: Risg
– Return: Dychweliad
– Financial Statement: Datganiad Ariannol
– Profit: Elw
– Loss: Colled
Example Sentences
– I want to invest in shares.
Rwyf am fuddsoddi mewn cyfranddaliadau.
– The stock market is volatile.
Mae’r farchnad stoc yn gyfnewidiol.
– What is the return on this investment?
Beth yw’r dychweliad ar y buddsoddiad hwn?
Everyday Banking Transactions
Knowing the vocabulary is essential, but understanding how to use it in everyday banking transactions will make you more confident.
Opening a Bank Account
When you go to a bank to open an account, you might need the following phrases:
– I would like to open a bank account.
Hoffwn agor cyfrif banc.
– What documents do I need?
Pa ddogfennau sydd eu hangen arnaf?
– Is there a monthly fee?
A oes ffi fisol?
Making a Deposit
Depositing money into your account is another common transaction:
– I want to deposit £500.
Rwyf am flaendal £500.
– Can I get a receipt?
Alla i gael derbynneb?
Withdrawing Money
Withdrawing money is equally straightforward once you know the terms:
– I want to withdraw £200.
Rwyf am dynnu’n ôl £200.
– What is the daily withdrawal limit?
Beth yw’r terfyn tynnu’n ôl dyddiol?
Financial Planning and Advice
If you seek financial advice or planning services, these terms will come in handy:
– Financial Advisor: Cynghorydd Ariannol
– Retirement Plan: Cynllun Ymddeol
– Savings Plan: Cynllun Cynilo
– Investment Strategy: Strategaeth Buddsoddi
– Risk Assessment: Asesiad Risg
– Tax Planning: Cynllunio Treth
Example Sentences
– I need to speak with a financial advisor.
Mae angen i mi siarad â chynghorydd ariannol.
– What is the best investment strategy for me?
Beth yw’r strategaeth fuddsoddi orau i mi?
– Can you help with tax planning?
Allwch chi helpu gyda chynllunio treth?
Online and Mobile Banking
In today’s digital age, online and mobile banking have become essential. Here are some related terms:
– Mobile App: Ap Symudol
– Username: Enw Defnyddiwr
– Password: Cyfrinair
– Security Question: Cwestiwn Diogelwch
– Transaction History: Hanes Trafodion
– Balance: Balans
– Bill Payment: Taliad Bil
Example Sentences
– I forgot my username and password.
Rwyf wedi anghofio fy enw defnyddiwr a chyfrinair.
– How do I check my balance?
Sut ydw i’n gwirio fy mhalance?
– Can I pay my bills online?
Alla i dalu fy miliau ar-lein?
Common Financial Phrases
Learning some common financial phrases can also be helpful. Here are a few:
– It’s essential to save for the future.
Mae’n hanfodol i arbed ar gyfer y dyfodol.
– The economy is growing.
Mae’r economi’n tyfu.
– We need to reduce our expenses.
Mae angen i ni leihau ein treuliau.
– I’m interested in investing in real estate.
Rwy’n ymddiddori mewn buddsoddi mewn eiddo tiriog.
Banking and Financial Institutions
Lastly, knowing the types of banking and financial institutions can be useful:
– Central Bank: Banc Canolog
– Commercial Bank: Banc Masnachol
– Credit Union: Undeb Credyd
– Investment Bank: Banc Buddsoddi
– Financial Services: Gwasanaethau Ariannol
Example Sentences
– The central bank sets the interest rates.
Mae’r banc canolog yn gosod y cyfraddau llog.
– I have an account with a commercial bank.
Mae gen i gyfrif gyda banc masnachol.
– Credit unions often offer lower interest rates.
Mae undebau credyd yn aml yn cynnig cyfraddau llog is.
Conclusion
Mastering banking and finance vocabulary in Welsh will not only enhance your language skills but also your ability to manage financial transactions and discussions effectively. Whether you are opening an account, seeking financial advice, or exploring investment options, this comprehensive guide will serve as a valuable resource. Keep practicing these terms and phrases, and soon you’ll find yourself more comfortable and confident in the world of Welsh banking and finance.
