How to grow a Money Tree - Animal Crossing: New Horizons

Everything you need to know to literally grow Bells on trees in Animal Crossing: New Horizons


Money Trees are a trick as old as time when it comes to Animal Crossing: New Horizons. But, if you’re new to the series, you probably don’t know how to use this simple trick to make thousands of Bells quite easily. Lucky for you, we’ve put all the details in the guide below, so grab your shovel, a bag of Bells, and let’s get to growing.

How to grow a Money Tree – Animal Crossing: New Horizons

If you’ve never heard of a Money Tree, then don’t stress. A lot of people haven’t. Basically, when playing Animal Crossing: New Horizons, it’s important to make Bells any way that you can. For many this can mean time traveling around or even playing the stalk market and selling Turnips. No matter what you decide to do, though, setting yourself up with some Money Trees is a fantastic – and legit – way to make lots of Bells on the fly.

how to grow a money tree - animal crossing: New horizons
Look for a shiny spot on the ground and then dig it up to be rewarded with Bells.

Things you’ll need to grow a Money Tree:

  • 10,000 Bells in your inventory. (or any amount between 100 and 10,000 Bells)
  • A shovel.
  • A good eye.
  • Patience.

Now that you know what you need, let’s kick this process off. All you need to do is wait until you spot one of those glowing spots on the ground – you know, the ones that you dig up for Bells. Well, when you manage to find one (they should appear daily), dig it up and claim the Bells. But wait! Don’t fill in that hole just yet. Instead, go ahead and open your inventory, and grab the Bells that you set aside earlier. If you haven’t already set aside some, grab 10,000 Bells from your Wallet and it should place them in an inventory spot. This will allow you to interact with them and bury them in the hole if you still have the shovel out.

Bury Bells to grow a Money Tree - Animal Crossing: New Horizons
Bury 10,000 Bells in the shiny hole you dug up and then wait a few days for the money tree to grow.

Once you bury the 10,000 Bells, go ahead and continue working. After a few days pass, the tree will grow and yield you 30,000 Bells (if you buried 10,000 Bells). It will then continue to yield more Bells every few days, granting you a nice steady bit of income. If you have room, feel to make the most of the other shiny holes you find around the island.

Now that you know how to grow a Money Tree, head back over to our Animal Crossing: New Horizons guides hub for even more great content.

Guides Editor

Joshua holds a Bachelor of Fine Arts in Creative Writing and has been exploring the world of video games for as long as he can remember. He enjoys everything from large-scale RPGs to small, bite-size indie gems and everything in between.

From The Chatty
  • reply
    March 23, 2020 12:25 PM

    Josh Hawkins posted a new article, How to grow a Money Tree - Animal Crossing: New Horizons

    • reply
      March 23, 2020 12:52 PM

      Step 1) get bells
      Step 2) plant bells
      Step 3) water plant sprout
      Step 4) profit!

      • reply
        March 23, 2020 12:54 PM

        Argh! I filled those holes back up!!!

      • reply
        March 23, 2020 1:16 PM

        Less shackmemey, you don't have to use 10,000 bells, I believe that's the largest denomination that it works with. I think you can use as low as 100 bells IIRC.

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          March 23, 2020 2:07 PM

          Yeah, but if you're going to do it, might as well go ahead and do 10,000 Bells. But sure, I'll add a line about it being any amount between 100 - 10,000. Just for accuracy's sake.

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        March 23, 2020 2:01 PM

        Don't you need to plant the Bells into a hole where you dug Bells out?

      • reply
        March 23, 2020 2:07 PM

        You don't actually have to water the tree sprout. Don't have to water any tree spouts, so I'd just save your watering can for flowers, tbh. But that's just me.

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          March 23, 2020 2:37 PM

          Technically no, but if past games are anything to go by it's less likely to just up and die if you do water it.

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            March 23, 2020 3:06 PM

            I've never had a tree die in 50+ hours of gameplay, so..... Idk.

            • reply
              March 24, 2020 6:06 AM

              Interesting, I wonder if they got rid of that. Used to be tree's were pretty fragile until you couldn't walk over them anymore.

    • reply
      March 24, 2020 6:12 AM


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