The spot will be there all day, so if you don’t at least 10,000 Bells saved in your pocket go ahead and try to get some before continuing. This will benefit you in the long run. You can still grow a money tree without so much Bells, but your tree will be worth much less.
Once your bells are ready to use, dig out this magical and bright place. You will unearth 1000 bells. Keep your shovel but don’t close the glowing hole! Instead, you’ll remove 10,000 bells from your Bell pool and make it an item. To do this, select the bells of your inventory then choose 10,000 bells as shown in the screenshot below.
You can also bury more than 10,000 bells at a time. Some users have reported having successfully buried 30,000 or more bells. IGN is studying how well it works, but we haven’t managed to grow any trees that produce more than 10,000 Bell Bags. Plant more at your own risk.
Now that your bells have been transformed into an item, select those bells in your inventory to bury them. You can also plant the 1000 bells you found if getting 10,000 bells is not an option, but again your money tree will produce a lot less bells.
Ta-da! The little sprout that appears is confirmation that you have successfully planted your first money tree. After a few days, your tree will reach its maximum size and start producing three bags of bells. Each bag is worth the amount you planted, so if you planted 10,000 bells you will earn 30,000 tree bells. And remember, you can cut your tree for money only once.
Good luck with your tree!
How to move a money tree
Did you know that you can replant your money tree if it is in poor condition? All you need is a piece of fruit and your faithful shovel to dig up the money tree. The tree will appear in your inventory like a small tree with Bell bags on it. Its name changes according to its growth. A new tree will be called a “nursery money tree” while one that has had a few days to grow is called a “small money tree”.
Did you know that some trees drop the bells when you shake them? There is a rumor that once a day a random tree drops even more bells if you keep shaking it! There’s also a random boulder that will drop bells instead of resources when you hit it with your shovel. This rock changes every day.
Money Tree Busting Myth: Can You Grow 99K Bell Bags?
Players, including some of our staff, have reported planting over 10K and successfully growing over 10K bell bags without any time travel Cheating. It’s completely random and based on luck. For this reason, we do not recommend it as an effective way to earn money.
Better to plant 10K for a guaranteed profit of 20K than to plant 99K for a (probable) loss of 69K.
But you can use the money tree and the time travel cheat with guaranteed results …
Time travel cheat by planting money Trees
We were able to confirm that you can plant 30K bells for 90K results using the time travel cheat to skip 2 years in advance. And 297,000 bells by planting 99K in the year 2000 and skipping to 2060, as long as you don’t use the same date twice. This means you can go from 1/1/2000 to 1/1/2060 THEN from 1/2/2000 to 1/2/2060. Credit to Samuel Harris (@GooseSamuel on Instagram) for contacting us about the Plantation 99K cheat. For more details on how to use this trick, see our Time travel guide.