This is a guide on planting Money Trees in Animal Crossing New Horizons (ACNH). Read on to learn what to do when you see a Glowing Spot, and for the most effective way to grow Bell trees!
List of Contents
|10,000 Bells or Less||・You're guaranteed 3x the amount you bury.
Example: Planting 10,000 Bells will give you 30,000 Bells (10,000 Bells x 3)
|10,001 Bells or Above||・You have a small chance of getting 3x the amount you bury.
・Otherwise, you will only get 3x 10,000 Bells.
Example: Planting 20,000 Bells will give you 60,000 Bells (20,000 Bells x 3)
The Money Tree will grow 3 times the amount of Bells that you bury. Keep in mind that there's also a chance that you'll only get 3 times 10,000 bells back.
With these results, it appears that there's a pre-determined chance for success when planting bells!
|Buried Amount||Result||Profit and Loss|
The best amount to bury for a steady profit is 30,000 Bells. You have a chance to earn 60,000 Bells profit, or essentially a refund of the bells you buried if it fails.
Alternatively, you can bury 20,000 Bells for a guaranteed increase.
The highest amount you can have in a single Bell bag is 99,000 Bells, so it is also the maximum amount of bells you can bury in Shining Spots.
If it succeeds, you'll get 3 times 99,000 Bells for a total of 297,000. If it fails though, you'll only get 30,000 Bells with a total loss of 69,000 Bells!
Burying the maximum amount of bells is both risky and rewarding. We don't recommend it as your primary source of making bells, but it's a good supplement if you have extra bells!
|Golden Shovel||2 times out of 10|
|Normal Shovel||6 times out of 10|
Note: The data above is from our walkthrough team's investigations.
For testing purposes, we buried 30,000 Bells 10 times with both a Normal and a Golden Shovel, and we got the result above.
This is not enough data to make any final conclusions, but it's likely that the Golden Shovel has no more chance to succeed than the Normal Shovel.
Once a day, a shining spot on the ground will appear somewhere on your island. This spot is the only place you can plant and grow Bell Trees, so it's a good idea to look for it every day.
If you're having a difficult time looking for the Glowing Spot, try looking for it at night.
Once you've found the spot, you can dig it up with a shovel to get 1,000 Bells.
The dug up hole will start glowing, and you can choose to bury some bells to grow a Money Tree.
A Money tree, or a Bell tree, is a tree that grows Bells instead of fruit and you can only plant them on glowing spots.
A fully grown Money Tree produces bells only once, and becomes a normal Oak Tree (Hardwood Tree) afterwards*.
|How to Make a Money Tree|
|1||Find the shining spot.|
|2||Dig up the buried money.|
|3||Bury Bells to plant a sapling.|
|4||Wait for 4 days for the tree to grow.|
|5||Shake the tree to get the Bells.|
|6.||(Optional) Cut down the Harvested Money Tree|
You first need to find the Shining Spot on your island. One spot appears on your island every day.
Dig up the 1,000 Bells for some easy pocket money.
After digging up the 1,000 Bells, bury your own bag of bells. A sapling will appear after burying your money.
Like all fruit trees, your newly planted sapling will take 4 days to grow into a tree.
The Money Tree will produce bells on the 4th day. Shake the tree to harvest the Bell Bags
A Money Tree will turn into a normal Oak Tree after harvesting it and will no longer produce Bells.
You can safely cut down the harvested Money Tree to get some wood.
Once you plant a Money Tree, you can safely dig it up with your shovel and move it to a different spot.
This will not turn it into a Hardwood Tree, so you will not lose any bells.
|Money, Miles and Shopping|
|Nook Mileage Program Activities & Rewards List||Nook Miles+ Challenges and Rewards|
|Nook Stop Explained||Spending Nook Miles|
|How to Get Nook Miles Fast||How to Make Money Bags (Bell Bags)|
|How to Get Bells (Money) Fast||Money Rock and How to Hit the Rock 8 Times|
|How to Grow Money Trees from Glowing Spots||How to Get Bank Interest|
|Should You Use the Drop-Off Box?||How to Get the Royal Crown|
|List of Nook Shopping Seasonal Items||How to Get and Use Bell Vouchers|
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