Welcome to the comprehensive guide on how to farm bells in Animal Crossing: New Horizons. Bells act as the main currency in the game, allowing you to purchase items, upgrades, and other essentials to build your ideal island. Farming bells efficiently is crucial for smooth and progressive gameplay. This guide will walk you through various strategies, from hitting the money rock to using Feng Shui in your house, ensuring you have a steady income of bells in ACNH.

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Understanding the Basics

Before diving into the detailed strategies for farming bells in ACNH, it’s essential to grasp the basic concepts and mechanics related to earning bells in the game. Understanding these fundamentals will not only enhance your ability to accumulate wealth but also make the game more enjoyable and less of a grind.

Currency in Animal Crossing: New Horizons

  • Bells: The primary currency used for transactions, purchases, and investments.
  • Nook Miles: Earned by completing various tasks and can be used to buy special items and tickets for Mystery Island Tours.

Ways to Earn Bells

  1. Selling Items:
    • Sell fruits, fish, bugs, and other items to Timmy and Tommy at Nook’s Cranny.
    • The price of items varies, with rare items fetching higher prices.
  2. Completing Tasks:
    • Complete tasks and challenges to earn Nook Miles, which can be converted into bells.
  3. Investments:
    • Invest in turnips and sell them at a profit.
    • Plant money trees for a return on investment.
  4. Exploration:
    • Explore Mystery Islands for rare items, bugs, and fish that can be sold for a high price.
  5. Special Events:
    • Participate in special events and competitions to earn bells and other rewards.

Understanding the Market

  • Turnip Market: Buy turnips at a low price and sell them when the prices are high to make a profit.
  • Hot Items: Keep an eye on the hot items of the day at Nook’s Cranny and sell them for extra bells.

Time and Seasonal Aspects

  • Certain bugs, fish, and events are time and season-specific, affecting their availability and the amount of bells they can earn you.

By understanding these basic concepts, you set a solid foundation for effective bell farming, ensuring you always have the funds needed to grow your island, make upgrades, and enjoy the game to the fullest.

ACNH Bells Farming Tips For Fast Money

To live a wealthy, comfortable life you need Bells. There are multiple ways to get your hands on more Bells in New Horizons. Making more money in Animal Crossing New Horizons is key and we are here to explain how to get more money, so let’s get to in.

1. Hitting the Money Rock

Overview

Every day in Animal Crossing: New Horizons, one random rock on your island becomes a money rock, which will yield bells when hit with a shovel. Efficiently hitting the money rock is a quick and easy way to earn bells daily.

Step-by-Step Guide

  1. Prepare Your Tools:
    • Ensure you have a shovel ready in your inventory.
  2. Locate All the Rocks on Your Island:
    • Walk around your island and make a mental note of all the rock locations.
  3. Hit Each Rock:
    • Stand close to a rock and hit it with your shovel. If it’s the money rock, bells will pop out.
  4. Maximize Your Hits:
    • Dig holes or place objects behind you to prevent recoil and ensure you can hit the rock the maximum number of times (up to eight) for the most bells.
  5. Collect Your Bells:
    • After hitting the rock eight times, collect all the bells and add them to your inventory.
  6. Repeat Daily:
    • Remember to check the rocks on your island daily to find the new money rock.

Tips

  • Ensure no obstacles are near the rocks to allow for maximum hits.
  • Use the money for investments, purchases, or saving for future use.

2. Selling Non-Native Fruit

Overview

In Animal Crossing: New Horizons, each island has a native fruit, including apples, cherries, oranges, peaches, or pears. Non-native fruits sell for a higher price, making them a lucrative source of bells. Traveling to other islands and bringing back non-native fruits to sell can significantly boost your income.

Step-by-Step Guide

  1. Identify Your Native Fruit:
    • Determine the native fruit of your island. This fruit will sell for less compared to non-native fruits.
  2. Travel to Other Islands:
    • Use a Nook Miles Ticket to travel to Mystery Islands, or visit a friend’s island where different fruits grow.
  3. Collect Non-Native Fruits:
    • Harvest as many non-native fruits as you can while visiting other islands.
  4. Return to Your Island:
    • Bring the collected fruits back to your island.
  5. Sell the Non-Native Fruits:
    • Sell the non-native fruits at Nook’s Cranny for a higher price, earning you more bells.
  6. Plant Non-Native Fruit Trees:
    • Consider planting some of the non-native fruits on your island to create a consistent source of high-earning fruits to sell.

Tips

  • Coordinate with friends to visit their islands for a variety of non-native fruits.
  • Ensure you have ample inventory space when traveling to collect fruits.
  • Regularly harvest and sell non-native fruits for consistent income.

3. Selling Today’s Hot Item at Nook’s Cranny

Overview

Nook’s Cranny, the in-game store in Animal Crossing: New Horizons, features a “hot item” each day that can be sold for double its usual price. Crafting and selling these hot items is a fantastic way to earn a substantial amount of bells quickly.

Step-by-Step Guide

  1. Check the Hot Item of the Day:
    • Visit Nook’s Cranny and inquire about the hot item of the day. The hot item changes daily, so make sure to check back every day.
  2. Gather Necessary Materials:
    • Collect the materials needed to craft the hot item. If you don’t have the crafting recipe, you might need to acquire it first.
  3. Craft the Hot Item:
    • Use your workbench to craft as many of the hot items as you can.
  4. Sell the Hot Items at Nook’s Cranny:
    • Head to Nook’s Cranny and sell the crafted hot items for double the usual price, earning you a significant amount of bells.
  5. Repeat the Process:
    • Repeat this process daily to continuously earn more bells.

Tips

  • Keep a diverse stock of materials in your inventory to quickly craft hot items.
  • If the hot item is easy to craft, consider crafting it in bulk for more profit.
  • Stay updated with the daily hot items to never miss out on the opportunity to earn more bells.

4. Catching and Selling High-Value Bugs and Fish

Overview

Catching rare bugs and fish in Animal Crossing: New Horizons is not just for filling up the museum. These creatures can fetch a high price when sold, making them a valuable source of income. Knowing which bugs and fish are valuable and the best methods to catch them can significantly boost your bell earnings.

Step-by-Step Guide

  1. Learn About High-Value Bugs and Fish:
    • Familiarize yourself with the types of bugs and fish that have the highest selling price. Some examples include the tarantula, scorpion, coelacanth, and golden trout.
  2. Understand the Timing and Location:
    • Learn the specific times of day and locations where high-value bugs and fish appear. Some creatures are season-specific, while others only appear at certain times or weather conditions.
  3. Gather the Necessary Equipment:
    • Ensure you have a fishing rod and bug net in your inventory.
  4. Hunt for High-Value Bugs and Fish:
    • Explore your island and other islands to find and catch high-value bugs and fish.
  5. Sell Your Catch:
    • Sell the caught bugs and fish at Nook’s Cranny for a substantial amount of bells.

Tips

  • Practice patience and precision when catching bugs and fish.
  • Use bait to attract more fish while fishing.
  • Clear your island of common bugs to increase the spawn rate of rarer bugs.
  • Keep track of the seasons and times for catching specific high-value creatures.

5. Growing Bell Trees

Overview

Growing Bell Trees is a unique and profitable way to earn bells in Animal Crossing: New Horizons. By burying bags of bells in glowing spots, you can grow trees that yield three bags of bells, tripling your investment.

Step-by-Step Guide

  1. Find a Glowing Spot:
    • Roam your island daily to find a glowing spot on the ground, indicated by a golden shine.
  2. Dig Up the Glowing Spot:
    • Use a shovel to dig up the glowing spot, and you’ll find a bag of 1,000 bells.
  3. Bury a Bag of Bells:
    • Bury a bag of bells in the same glowing hole. You can bury any amount, but the tree will only triple the amount up to 10,000 bells.
  4. Wait for the Tree to Grow:
    • Wait a few days for the tree to fully grow. It will produce three bags of bells, each containing the amount you buried (up to 10,000 bells).
  5. Harvest Your Bells:
    • Shake the tree to collect your bells, and the tree will continue to produce bells every few days.
  6. Repeat the Process:
    • Continue to find glowing spots and plant bell trees for a consistent source of income.

Tips

  • Plant the trees in a designated area for easy harvesting.
  • Consider burying the maximum amount for the highest return on investment.
  • Be patient and consistent in planting bell trees for continuous income.

6. Farming Tarantulas

Overview

Tarantulas are one of the most valuable bugs in Animal Crossing: New Horizons, selling for 8,000 bells each. Farming tarantulas can be a lucrative way to earn a lot of bells quickly, especially if you can catch multiple tarantulas in a short time.

Step-by-Step Guide

  1. Prepare Your Inventory:
    • Clear your inventory to make space for caught tarantulas.
    • Ensure you have a bug net.
  2. Find or Create a Tarantula Island:
    • Use a Nook Miles Ticket to visit a Mystery Island at night. Some islands are naturally filled with tarantulas.
    • Alternatively, create a tarantula island by clearing a Mystery Island of all trees, flowers, and rocks, which increases the spawn rate of tarantulas.
  3. Catch the Tarantulas:
    • Move slowly towards the tarantulas and catch them with your bug net.
  4. Be Cautious:
    • Be prepared for the tarantulas to attack. If bitten, you will faint and reappear at the island’s dock.
  5. Fill Your Inventory:
    • Catch as many tarantulas as you can to fill your inventory.
  6. Sell the Tarantulas:
    • Return to your island and sell the tarantulas at Nook’s Cranny for 8,000 bells each.

Tips

  • Practice the timing of your net swing to catch tarantulas effectively.
  • Visit or create tarantula islands during the night for a higher spawn rate.
  • Be patient and calm while catching tarantulas to avoid getting bitten.

By farming tarantulas effectively, you can earn a substantial amount of bells, allowing you to make big purchases, pay off loans, and invest in island development.

7. Going on Island Tours

Overview

Island Tours, facilitated by purchasing a Nook Miles Ticket, provide players with opportunities to visit various Mystery Islands. These islands can be rich in resources, rare bugs, fish, and non-native fruits, all of which can be sold for bells.

Step-by-Step Guide

  1. Purchase a Nook Miles Ticket:
    • Buy a Nook Miles Ticket from the Nook Stop for 2,000 Nook Miles.
  2. Travel to a Mystery Island:
    • Use the ticket at the airport to travel to a random Mystery Island.
  3. Gather Resources:
    • Collect resources such as wood, iron, and non-native fruits.
    • Catch rare bugs and fish that can be sold for a high price.
  4. Look for Rare Items:
    • Some islands have rare flowers and items that can fetch a good price.
  5. Fill Your Inventory:
    • Ensure your inventory is full of valuable items before returning to your island.
  6. Sell the Collected Items:
    • Sell the gathered items at Nook’s Cranny for bells.
  7. Repeat the Process:
    • Regularly go on island tours to continuously collect and sell items for bells.

Tips

  • Prioritize collecting rare and valuable items for maximum profit.
  • Ensure your inventory is empty before going on an island tour to collect more items.
  • Use the opportunity to also collect items for crafting and island development.

8. Catching Scorpions & Tarantulas

Overview

Scorpions and tarantulas are among the most valuable bugs in Animal Crossing: New Horizons, each selling for 8,000 bells. Catching these creatures can be challenging but is highly rewarding in terms of bell earnings.

Step-by-Step Guide

  1. Prepare for the Hunt:
    • Ensure you have a bug net in your inventory.
    • Clear your inventory to make space for caught scorpions and tarantulas.
  2. Understand the Spawn Conditions:
    • Know that scorpions and tarantulas only appear during the night.
    • They spawn more frequently on Mystery Islands.
  3. Create a Conducive Environment:
    • If on a Mystery Island, clear the island of trees, rocks, and flowers to increase the spawn rate of scorpions and tarantulas.
  4. Approach with Caution:
    • Move slowly and carefully towards the bug to avoid scaring it away or getting attacked.
  5. Catch the Bugs:
    • Use your bug net to catch the scorpions and tarantulas.
  6. Fill Your Inventory:
    • Catch as many as you can to fill your inventory.
  7. Sell the Bugs:
    • Return to your island and sell the caught bugs at Nook’s Cranny for 8,000 bells each.

Tips

  • Practice your timing and approach in catching the bugs to increase your success rate.
  • Be patient and calm during the hunt to avoid missing the bugs or getting bitten.
  • Regularly check Mystery Islands at night for higher spawn rates.

9. Participating in CJ’s Fishing Tourney

Overview

CJ’s Fishing Tourney is a special event in Animal Crossing: New Horizons where players can earn a substantial amount of bells by catching fish. The event is hosted by CJ and occurs four times a year. Participating in the tourney and catching as many fish as possible within a limited time can earn you bells, special items, and trophies.

Step-by-Step Guide

  1. Prepare for the Event:
    • Ensure you have a fishing rod and ample bait in your inventory.
    • Clear your schedule as the event lasts for the entire day.
  2. Participate in the Tourney:
    • Talk to CJ in the plaza to enter the fishing tourney.
    • You will have 3 minutes to catch as many fish as you can.
  3. Catch as Many Fish as Possible:
    • Use bait to attract fish quickly.
    • Catch as many fish as you can within the time limit.
  4. Earn Points:
    • Earn points based on the number of fish you catch.
    • Accumulate points to earn trophies and other rewards.
  5. Sell Your Fish:
    • Sell the caught fish to CJ for bells.
    • CJ pays a premium price for fish, allowing you to earn more bells compared to selling at Nook’s Cranny.
  6. Exchange Points for Rewards:
    • Exchange your earned points with CJ for special fish-themed items and trophies.

Tips

  • Stock up on bait before the event to maximize your fishing opportunities.
  • Practice your fishing skills to catch fish quickly and efficiently.
  • Participate in every fishing tourney to continuously earn bells and rewards.

10. Participating in Flick’s Bug-Off

Overview

Flick’s Bug-Off is a seasonal event in Animal Crossing: New Horizons, occurring four times a year. During this event, players have the opportunity to catch as many bugs as possible within a three-minute timeframe to earn points, which can be exchanged for exclusive items and bells.

Step-by-Step Guide

  1. Prepare for the Event:
    • Ensure you have a bug net in your inventory.
    • Clear your schedule for the event day to maximize participation.
  2. Participate in the Bug-Off:
    • Talk to Flick in the plaza to enter the Bug-Off.
    • You will have 3 minutes to catch as many bugs as you can.
  3. Catch as Many Bugs as Possible:
    • Explore your island to catch various bugs within the time limit.
  4. Earn Points:
    • Earn points based on the number of bugs you catch.
    • Accumulate points to earn exclusive bug-themed items and trophies.
  5. Sell Your Bugs:
    • Sell the caught bugs to Flick for bells.
    • Flick pays a premium price for bugs, allowing you to earn more bells compared to selling at Nook’s Cranny.
  6. Exchange Points for Rewards:
    • Exchange your earned points with Flick for special bug-themed items and trophies.

Tips

  • Familiarize yourself with bug locations and behaviors to catch them efficiently.
  • Ensure your bug net is in good condition to avoid breaking during the event.
  • Participate in every Bug-Off to continuously earn bells, items, and trophies.

11. Investing in Turnips

Overview

The Stalk Market is a high-reward investment opportunity in Animal Crossing: New Horizons. Players can buy turnips from Daisy Mae every Sunday and sell them at Nook’s Cranny throughout the week for varying prices. Properly timing your turnip sales can yield substantial profits.

Step-by-Step Guide

  1. Buy Turnips from Daisy Mae:
    • Every Sunday morning, Daisy Mae will visit your island selling turnips.
    • Purchase as many turnips as you can afford.
  2. Monitor Turnip Prices:
    • Check the buying prices at Nook’s Cranny twice daily (morning and afternoon) from Monday to Saturday.
    • Prices change and can range from lower to significantly higher than the purchase price.
  3. Sell at the Right Time:
    • Sell your turnips when the prices are high to make a profit.
    • Avoid waiting too long as turnips will rot after one week.
  4. Use Online Tools:
    • Utilize online tools and communities to track turnip prices and get predictions.
  5. Coordinate with Friends:
    • Coordinate with friends to check turnip prices on their islands.
    • Sell your turnips on a friend’s island if they have higher prices.

Tips

  • Invest wisely, keeping in mind that turnip prices are unpredictable.
  • Avoid holding onto turnips for more than a week to prevent them from rotting.
  • Utilize online resources to make informed selling decisions.

By strategically investing in and selling turnips, you can earn a significant amount of bells, allowing for further investments, island development, and various in-game purchases in ACNH.

12. Use the Money Tree

Overview

The Money Tree is another unique way to earn bells in Animal Crossing: New Horizons. By burying bells in a glowing spot, you can grow a tree that yields three bags of bells after a few days, providing a return on your investment.

Step-by-Step Guide

  1. Find a Glowing Spot:
    • Roam your island daily to find a glowing spot on the ground, indicated by a golden shine.
  2. Dig Up the Glowing Spot:
    • Use a shovel to dig up the glowing spot, and you’ll find a bag of 1,000 bells.
  3. Bury Bells in the Hole:
    • Bury a bag of bells in the same hole. You can bury up to 10,000 bells for a guaranteed triple return.
  4. Mark the Spot:
    • Mark the spot where you planted the bells to keep track of the money tree.
  5. Wait for the Tree to Grow:
    • Wait a few days for the tree to fully grow. It will produce three bags of bells, each containing the amount you buried.
  6. Harvest Your Bells:
    • Shake the tree to collect your bells.
  7. Repeat the Process:
    • Continue to find glowing spots and plant money trees for a consistent source of income.

Tips

  • Consistently check your island for glowing spots to plant money trees.
  • Bury the maximum amount for the highest return on investment.
  • Organize your money trees in a specific area for easy harvesting.

13. Completing Nook Miles Tasks

Overview

Nook Miles Tasks are daily and ongoing challenges in Animal Crossing: New Horizons that reward players with Nook Miles upon completion. These Nook Miles can be exchanged for various items, upgrades, and even bells, making them a valuable aspect of earning income.

Step-by-Step Guide

  1. Check Your Nook Miles Tasks:
    • Regularly check your NookPhone for the list of available Nook Miles Tasks.
  2. Complete the Tasks:
    • Complete the tasks listed in your NookPhone. These can range from catching specific bugs or fish to planting trees or flowers.
  3. Earn Nook Miles:
    • Earn Nook Miles for each completed task.
  4. Exchange Nook Miles for Bells:
    • Visit the Nook Stop and use the Nook Miles Ticket option to exchange your Nook Miles for Nook Miles Tickets.
    • Sell these tickets to other players for bells.
  5. Utilize Nook Miles for Other Rewards:
    • Alternatively, use your Nook Miles to redeem various items, upgrades, and travel tickets, saving you from spending bells.

Tips

  • Consistently complete daily Nook Miles Tasks for continuous Nook Miles earnings.
  • Prioritize tasks that yield higher Nook Miles.
  • Engage in the Animal Crossing community to find players willing to buy Nook Miles Tickets for bells.

14. Selling Fossils

Overview

Fossils are valuable items in Animal Crossing: New Horizons that can be found buried throughout your island. Once assessed by Blathers at the museum, these fossils can be sold for a significant amount of bells, contributing to your in-game income.

Step-by-Step Guide

  1. Find Fossils on Your Island:
    • Explore your island daily to find buried fossils, indicated by star-shaped cracks on the ground.
  2. Dig Up the Fossils:
    • Use a shovel to dig up the fossils from the ground.
  3. Get the Fossils Assessed:
    • Take the fossils to Blathers at the museum to have them assessed.
  4. Sell the Assessed Fossils:
    • Sell the assessed fossils at Nook’s Cranny for bells.
    • The selling price varies based on the type and rarity of the fossil.
  5. Donate Rare Fossils to the Museum:
    • Optionally, donate one of each type of fossil to the museum before selling duplicates for bells.
  6. Repeat the Process:
    • Continuously explore your island for new fossils to dig up, assess, and sell.

Tips

  • Regularly check your island for new fossils to ensure continuous income.
  • Keep track of the fossils you have donated to the museum and sell duplicates.
  • Utilize the community to find the current selling prices for different fossils.

15. Selling Native Fruits on Other Islands

Overview

Selling your island’s native fruit on other islands in Animal Crossing: New Horizons is a straightforward and effective way to earn bells. Non-native fruits sell for a higher price, making it profitable to sell your native fruits on islands where they are not common.

Step-by-Step Guide

  1. Identify Your Native Fruit:
    • Determine the native fruit of your island. It could be apples, cherries, oranges, peaches, or pears.
  2. Harvest Your Native Fruit:
    • Harvest your native fruit by shaking trees on your island.
  3. Find Friends with Different Native Fruits:
    • Connect with friends or other players whose islands have different native fruits.
  4. Visit Other Islands:
    • Travel to other islands using a Dodo Code or friend invitation.
  5. Sell Your Native Fruit:
    • Sell your harvested native fruit at Nook’s Cranny on the visited island.
    • Non-native fruits sell for 500 bells each, compared to 100 bells for native fruits.
  6. Repeat the Process:
    • Continuously harvest and sell your native fruit on other islands for a consistent source of income.

Tips

  • Coordinate with friends to keep track of whose islands you can sell your fruits on.
  • Harvest and store your native fruits regularly to have a stock ready for selling.
  • Be respectful when visiting other islands, avoiding disruption and damage.

16. Using Feng Shui in Your House

Overview

Feng Shui in Animal Crossing: New Horizons involves arranging the furniture and items in your house based on color to attract good luck, including increased bells from various sources. Properly utilizing Feng Shui can enhance your bell-earning activities, making your efforts more fruitful.

Step-by-Step Guide

  1. Understand Feng Shui Principles:
    • Learn the basic principles of Feng Shui and how it affects luck and fortune in the game.
  2. Arrange Furniture by Color:
    • Place yellow items on the west, red items on the east, and green items on the south side of your rooms.
  3. Maximize Lucky Items:
    • Use items identified as lucky items in the game to boost your Feng Shui.
  4. Observe the Effects:
    • Notice the increase in bells found, received from trees, or earned from other activities.
  5. Adjust Your Feng Shui:
    • Continuously adjust and optimize your Feng Shui for maximum effect.
  6. Combine with Other Bell-Earning Activities:
    • Combine Feng Shui with other bell-earning strategies for enhanced results.

Tips

  • Research and stay updated on the most effective Feng Shui arrangements in the game.
  • Regularly rearrange your house to keep the Feng Shui fresh and effective.
  • Be patient and observant to notice the effects of Feng Shui on your bell earnings.

17. Selling Bell Vouchers

Overview

Bell Vouchers are special tickets in Animal Crossing: New Horizons that can be sold for a considerable amount of bells. They can be purchased using Nook Miles, providing another avenue to convert Nook Miles into bells.

Step-by-Step Guide

  1. Purchase Bell Vouchers:
    • Go to the Nook Stop terminal located in the Resident Services building.
    • Use your Nook Miles to purchase Bell Vouchers for 500 Nook Miles each.
  2. Sell the Bell Vouchers:
    • Take your Bell Vouchers to Nook’s Cranny.
    • Sell the vouchers for 3,000 bells each.
  3. Maximize Your Nook Miles:
    • Continuously earn Nook Miles by completing tasks and challenges.
    • Convert the Nook Miles to Bell Vouchers and sell them for bells.
  4. Repeat the Process:
    • Regularly purchase and sell Bell Vouchers for a consistent source of income.

Tips

  • Stay active in completing Nook Miles Tasks to continuously earn Nook Miles.
  • Regularly convert excess Nook Miles to Bell Vouchers for additional bell income.
  • Keep track of your Nook Miles and bell balance to manage your finances effectively.

That’s all the way you can earn more money in the new Animal Crossing game. If you need more help with the game check out our Beginner’s guide, and Animal Crossing New Horizons Wiki.