Bank Interest Rates
Have you ever thought about placing your neopoints in the bank to earn extra interest everyday? If it's going to make you more neopoints, for doing nothing, then why not! The only catch is, you'll only start receiving substantial amounts of interest returns after you have deposited a considerable sum of neopoints in the bank. Is it worth it? Of course! You have absolutely nothing to lose.

Because there are 13 different types of bank accounts, the bank has been set up, to only allow you to progress to the higher returns account after you have deposited a 'minimum' amount in the bank. For instance, you will only be able to earn 11% interest a year on your bank deposits if you have at least 5,000,000 neopoints in your account. Hard? If you play smart and don't spend all your neopoints, you'll reach that benchmark in no time. A good strategy, is to put half your earned neopoints for that day into the bank, and then spend the other half on whatever you want.

You'll also need to be aware that the bank doesn't automatically upgrade your account once you become eligible to gain a higher interest return account. You'll need to apply for one yourself in the bank. As long as you have the minimum base neopoints, you'll be accepted!

Junior Saver (min 0) - 5%
Neopian Student (min 1,000) - 5.5%
Bronze Saver (min 2,500) - 6%
Silver Saver (min 5,000) - 6.5%
Super Gold Plus (min 10,000) - 7%
Platinum Extra (min 25,000) - 7.5%
Double Platinum (min 50,000) - 8%
Triple Platinum (min 75,000) - 8.5%
Diamond Deposit (min 100,000) - 9%
Diamond Deposit Plus (min 250,000) - 9.5%
Diamond Deposit Gold (min 500,000) - 10%
Millionaire Platinum (min 1,000,000) - 10.5%
Millionaire Double Platinum (min 2,000,000) - 11%
Millionaire Mega-Platinum (min 5,000,000) - 11.5%
Neopian Mega Riches (min 7,500,000 mill) - 12%
Ultimate Riches (min 10,000,000) - 12.5%

'Koi' is actually how you say 'carp' in Japanese. The carp, of course, is a fish as well, and quite popular and common in Japan. - Kaoru