How to Make Bells (Money) Fast in Animal Crossing New Horizons

Tips to become rich in no time.

Bells are used as the main currency in ACNH, and you will need a lot of them either to purchase items or pay off your house loan. There are a lot of ways that you can exploit in order to make a large number of Bells in Animal Crossing New Horizons. However, these methods will require some effort on your end, whether you are farming flowers and trees, catching bugs, digging Fossils, or crafting certain DIY recipes to sell later on to maximize your profits.

Lucky for you, I will be going over all the details on how you can exploit each of these ways to make Bells fast and even become a millionaire. This guide explains the fastest ways to get a lot of money in Animal Crossing New Horizons so you can get a better insight into all these bell-making methods.

As Animal Crossing: New Horizons is a slow-life game, these ways of earning money will be more effective if you stay a little patient and consistent during your effort periods.


You will be selling most of your items at Nook’s Cranny, so make sure that you don’t use the Nook Dropbox ever to sell your items. It will cause you to lose 20 percent of your earnings, and the items will be priced at 80 percent, so always head inside Nook’s Cranny and then sell your items directly to Timmy and Tommy to earn the most Bells.

Sell non-native fruits

Fruits can be one of your very first sources of income, as you are assigned a random fruit at the start of the game. Since these native fruits tend to grow automatically on trees present on your island, you can collect them and sell them at Nook’s Cranny.

The native fruit of your island sells for 100 bells per piece, but you first think of planting more in the start to make a good investment. Some of your native fruit trees will also produce perfect variants that have a golden sheen.

Though these perfect variants sell for 600 bells apiece, it is better to plant them to grow more of these fruits as they will make you way richer in times to come.


Growing Pumpkin plants and selling them is one of the best ways for beginners to earn a nice amount of Bells in ACNH.

Moreover, you can get the non-native fruits by visiting Nook Miles Mystery Islands in ACNH. It will require some grinding, but once you find that non-native fruit island, make sure to collect as much of these fruits as you can. You can even plant these specific fruits back on your island and space them out equally so that they can grow without dying.

In total, you will need 134 trees to farm a lot of fruit to sell for a large amount of Bells in one day. Water them, and after four days pass, these trees will fully sprout those non-native fruits so you can collect them and sell them all to make a nice amount of Bells.

The foreign fruits that you get from other players’ islands sell for 500 bells apiece, and hence, you must try getting many of those, too, if you want to get rich in Animal Crossing New Horizons.


Fruits can be easily stacked as one collective item (x10) in your pocket; couple this fact with 40 pocket spaces, and you will be able to sell those fruits at a total of 200,000 Bells.

Sell Fossils

Fossils are also treasures that grow up daily around your island and are also an excellent and efficient way for farming a decent amount of Bells early on in ACNH. These items are marked by a tell-tale crack in the dirt. It is better to find some time in your hectic routine to dig for these treasures and then make a trip directly to the Museum to meet with the NPC Blathers.

You can have the first piece of each fossil displayed at the museum, but the duplicate fossils, such as Tricara Torso, etc., can then be sold at Nook’s Cranny to get a pretty sum of cash of up to 5000 bells!

Plant Money Trees

How to Make Bells Fast in Animal Crossing New Horizons

You can literally grow money on trees in ACNH. While going around your island, you might come across golden glowing cracks out of which fossils are obtained. Dig up these cracks, and you will get 1000 free bells.

However, instead of carrying the bells, you can simply triple this amount to make a ton of bells in Animals Crossing: New Horizons. Simply plant the money bags back into the same spot again and wait for a money tree to grow up.

These trees will take 3 to 4 days, and once they sprout, you will notice that the Money Tree will have grown three bells bags of 1000 Bells, amounting to a total of 3000 Bells.

This is a slow but effective method for farming cash in ANCH. However, you will surely be getting a lot of bells if you plant each of these specific Trees over time. Plant this specific tree each day to keep a steady amount of bells flowing into your wallet, and you will be a millionaire in no time.

Sell Clumps of Weed

Selling Weeds is another efficient way to make money fast in Animal Crossing: New Horizons. Since you will be spending most of your time clearing out weeds and even deploying the Cleanup service of Leif to clear out all the weeds growing on your island therefore you can check the trash to find these weeds.

Though your priority, in general, will be to remove all the weeds on your island, you should collect up to 99 individual plants of weeds first and then sell the package at the shop to earn 990 bells. However, instead of taking this route, you can simply use the Weeds you collected earlier to craft them into Haybeds.


You will require weeds (x20) to craft Haybeds, and the best part is that each Haybed goes for 400 Bells, which is a solid way to earn more money in ACNH.

Lastly, selling more weeds also earns you Nook Miles. You can then obtain a Nook Miles ticket by exchanging 2000 Nook Miles. These Nook Miles tickets can then be used to travel to other islands in ACNH.

Break rocks to gather ore

Your island produces various sorts of rocks. You will have to search the whole island daily for such rocks, and once you find one, use your shovel or axe to strike it multiple times. Each strike will chip the rock and it will drop smaller rocks, clay, and Ore (iron nuggets) in ACNH. You can then sell all of these items for lots of Bells.

Sometimes, if you are lucky enough to come across a money rock, make sure not to miss out on hitting this particular rock, as it will produce a gold nugget. This specific item can fetch you a huge number of bells at the Nook’s Cranny.

Keep in mind that a money rock is also produced on the island daily, and once you find it, keep striking the rock, and it will keep dropping bells. As a total, you can get up to 8000 bells daily by hitting the money rock.


After finding a money rock, clear the space around it. Dig two holes, one exactly on the north side of the rock and the other one towards the east side, with one square distance each. Then, start hitting the money rock, and it will drop a lot of resources compared to the usual drops. You can use this Money Rock trick to get a ton of resources and sell them to earn more than 10,000 Bells in ACNH. 

Catch and sell Wasps

How to Make Bells Fast in Animal Crossing New Horizons

If you are aiming to make a lot of bells quickly in Animal Crossing New Horizons without a Nintendo Online subscription, then there is a simple yet effective way of doing that as well. This method will require you to capture Wasps in ACNH.

Turns out Wasps are worth a fortune as they can fetch up to 2500 Bells each. You can catch a lot of wasps with relative ease while shaking certain trees on your island.

All you will require is a net to catch wasps, and then you will need to find the Cedar and Hardwood trees on your island. Once you shake these specific trees, the wasp nest will fall to the ground, and a ton of wasps will come out in the open, so now you can simply press A to capture them using your net. You can net yourselves five wasps each day in Animal Crossing: New Horizons.

You will need to make sure that you have at least five fully-grown Cedar Trees on your island so that the wasps can respawn on all five of them each day.

Similarly, Wasps can sometimes also be found on Mystery Islands, so if you have spare Nook Mile tickets, then you can use them to visit these islands. Then you can look around for hardwood trees or cedar trees, shake them, and catch some wasps to earn a lot of money in ACNH.


Not all Mystery Islands will have Cedar or Hardwood trees, so they aren’t a guaranteed way of making money in ACNH.

That being said, once you have completed the task of capturing as many wasps as possible, don’t sell them in your Nook’s Dropbox. If you do that, you will lose 500 bells on each wasp/bee that you sell and instead earn 2000 Bells.

This means if you are selling five wasps/bees, then you will be losing 2,500 Bells collectively, so take the extra few seconds to enter Nook’s Cranny and then sell them directly to the NPC vendors Timmy and Tommy in Animal Crossing: New Horizons.

Overall, you will be able to earn 12,500 Bells in ACNH by just selling wasps in one day, which is a pretty good idea if you intend on making a ton of Bells.

Exchange Poki for Bells (Happy Home Paradise DLC required)

How to Make Bells Fast in Animal Crossing New Horizons

There is also another effective yet easy way for racking in a large number of Bells, but it will require you to own a certain DLC called Happy Home Paradise in ACNH. As part of this specific DLC, you will be able to decorate vacation homes for your villagers and build different facilities for them. This way, you will end up earning a lot of Poki, which can later be used on your island to buy things.

Moreover, you will have the option to trade the Poki you earn for a large number of Bells in ACNH. In short, you will need to decorate exactly 23 vacation houses, and once you do that, an NPC called Lottie will introduce you to your very own Island ABD.

After unlocking your very own Island’s ABD, you will get access to the option to convert Poki into Bells. Furthermore, each day, there will be a different conversion rate from Poki into Bells.

The maximum limit for converting Poki into Bells will be limited to 15,000 Poki’s per day. The Poki conversion rate will vary from day to day, like the stock market.

For example, 100 Poki can be exchanged for 263 Bells, etc., and can go for either higher or lower prices, so make sure to check it each day. Depending on these rates, you can also make more than 3,945,000 Bells by just selling 15,000 Poki in a day and vice versa.

Collect Sea creatures and sell them

How to Make Bells Fast in Animal Crossing New Horizons

You can collect sea creatures while swimming in ACNH. However, instead of handing these over to Blathers, you can easily sell them for a huge profit. There are some Sea creatures that will sold for a whole lot of Bells. Moreover, if you are new to catching sea creatures, then you will require a Horizontal-striped wet suit.

You can purchase a Horizontal Striped wet suit from Nook’s Cranny at a price of 3000 Bells. Similarly, the Nook Inc. wet suit can also be purchased using 800 Nook Miles.

Put on the wetsuit and then head straight for the ocean and swim around looking for sea creatures. These can be identified by the bubbles that form on the surface of the ocean, so swim towards these, and as they get larger, press Y to dive down. after seeing the shadow of the sea creature, you can pick it up automatically.


Some sea creatures swim away really fast once you approach them, and these are specifically those creatures that sell for more money in ACNH, so be prepared to spam the A button once you come across them.

The following sea creatures can be sold to make a large amount of Bells in Animal Crossing New Horizons:

  • Gazami Crab: 2200 Bells
  • Horseshoe crab: 2500 Bells
  • Spiny Lobster: 5000 Bells
  • Oyster:1100 Bells
  • Scallop: 1200 Bells
  • Whelk: 1000 Bells
  • Turban Shell: 1000 Bells
  • Gigas Giant Clam: 15000 Bells
  • Octopus: 1200 Bells
  • Chambered Nautilus: 1800 Bells
  • Umbrell Octopus: 6000 Bells
  • Vampire Squid: 10000 Bells

Catch and sell Palm Tree bugs

Palm Tree Bugs spawn exclusively on Palm trees in Animal Crossing: New Horizons and can be sold collectively for a high amount of Bells. You can simply farm the Palm trees for these particular bugs by using your Nook Miles ticket to travel to Mystery Islands.

You can also grow Palm trees on your beaches, but in order for them to grow effectively, there needs to be no other plant anywhere on your beaches. Furthermore, you will need a net to hunt and capture rare palm tree bugs, which can be sold for even more bells and will be present on the tree trunks.

You can slowly approach these bugs and then press A to capture them successfully using your net and then head to Nook’s Cranny to sell them for money.


Dig a hole at one side of the Palm tree as a marker so that you can approach the tree and keep that one-hole distance to successfully capture the Palm Tree Bug.

Regular Palm Tree Bugs such as the Miyamma Stag can go for 1000 Bells easily, whereas rarer bugs, such as the Horned Atlas, can be sold for 8000 Bells each in Animals Crossing: New Horizons. Fill your pockets with these bugs, and you will make a lot of money by selling them at Nook’s Cranny.

Sell Blue Rose DIYs

You will need to grow a lot of Blue roses and then learn the crafting recipe for Blue Rose Wreath DIY or Blue Rose Crown DIY to earn a huge load of bells.

The best part about both of these items is that each Blue Rose Wreath sells for 20,000 Bells, whereas the Blue Rose Crown goes easily for 12,000 Bells in ACNH. Selling these Blue Rose items is a great way to make a lot of money quickly in ACNH.


This Blue Rose DIY bell farming method is quite similar to the Gold Rose DIY bell method, but keep in mind that Blue roses can reproduce whereas the gold roses can’t, making this method more suitable for making money fast in Animal Crossing: New Horizons.

You can breed Red Roses to get Blue Roses first at any green location on your island. The Blue Rose DIY recipes can be obtained by meeting Villagers at their homes, opening message bottles washed up on your beaches, and from popping balloons. Then go to the nearest DIY crafting table and craft the Blue Rose Crown (blue rose x6) or Blue Rose Wreaths (blue rose x10).

Lastly, each Blue Rose petal can go for 2000 Bells alone, so it is quite a steal. You can make up to 624,00 Bells by just selling the Blue Rose Crowns and Blue Rose Wreaths at Nook’s Cranny in ACNH.

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Decade-long gaming enthusiast turned guide author, sharing insights on SegmentNext to improve your gaming experience.