Mae'r broses o lansio banc newydd yn cymryd amser ac mae'n gymhleth o ran bodloni'r fframwaith rheoleiddio a sefydlwyd drwy Awdurdod Rheoleiddio Prudential (PRA) a'r Awdurdod Ymddygiad Ariannol (FCA).  Mae'r broses hon yn debygol o gymryd oddeutu dwy flynedd i'w chwblhau ond mae wedi'i rhannu'n sawl cam hylaw ac mae'n cynnwys cysylltiad agos â llawer o randdeiliaid allanol yn ogystal â'r PRA.
The process of launching a new bank takes time and is complex in terms of satisfying the regulatory framework established through the Prudential Regulatory Authority (PRA) and Financial Conduct Authority (FCA). This process is likely to take around two years to complete but is broken down into a number of manageable phases and involves close liaison with many external stakeholders as well as the PRA.