well, knowing the fact that the person was a New Member, THEN i definetely wouldnt trust them, since its probably somebody who made a new account JUST to scam with.
however, if it WAS an older person... maybe... 10 months+, i could see that believable. Not entirely..... and i wouldnt lend it to them myself..... but upgrading your bank account DOES help you with your interest.... a friend and I both saved up, and then he lent me my money *we gave sort of a collateral* so i could mega-upgrade my bank account because i had both of our nps. then i gave HIM all of the np's..... and he mega upgraded his... and then he gave me my np back. NEVER DO THAT WITH SOMEBODY YOU DONT TRUST.... i DID trust the person, and it worked fine

and if it IS an old account, then its also belieable because what person with an old account would be dumb enough to risk it? my two cents.