The currency in every Animal Crossing game is bells. There are a variety of ways to get bells, such as: selling fruit, shells, furniture, turnips, old items you no longer need, or trading with the other villagers. However, there are many different ways you can do this, some fast and some slow. Below we are going to show you how to make bells fast.
Top Four Ways to Make Bells Quickly
If you want to make money efficiently, these are the top three big money makers.
The native fruit in your town pays 100 bells at Nook’s; however, foreign fruit pays 500 bells. If you plant many of these trees, you can make quite a bit of money. In one trip to Nook’s, if you fill your item slots with fruit, you can make 7500 bells. See our fruit page.
Catching Fish and Insects
Catching fish and insects is also profitable. Insects are more seasonal than fish. See our fish and insects pages for strategies. Fishing pays well! In the rain, you can catch a single fish for 10,000 bells. If you could fill your pockets with coelacanths, you could make 150,000 bells! You'd be lucky to find that many though.
After you have filled the museum, it is tempting to leave the fossils in the ground or throw them away. Before you do this, take them to Nook. He pays thousands for fossils after they have been identified at the museum. See our fossils page. Many fossils are worth 4,500b.
BEST METHOD: The Stalk Market
Turnips are the MOST profitable way to make bells. However, there is also a great deal of risk involved. If you know what you are doing, you could stand to make millions! Joan visits your town on Sundays from 6am-12pm.
Occasionally, Joan will offer red turnip seeds. When she does offer them, she brings only one bag of seed to your town. Red turnips cost 1,000 bells and can be sold at Nook's for up to 16,000 bells depending upon the day you sell them.
You can buy white turnips in increments of ten. A word a CAUTION is in order here: Sell them before the next Sunday or they will spoil and you'll lose all the money invested. If you know how to sell, you ought to buy as many as you can afford--as many as 10 or 20 pocketfuls. If you are not rich yet, don't worry, you will use your profits this week to buy even more next week. Visit our turnip guide to learn more about making bells this way.
Other Ways to Make Bells
Planting money trees – Money trees are not just a myth. When you have the golden shovel, bury some money in a hole. If the tree has the right conditions (see the trees page), it will grow. Some of these trees will become money trees, yielding bags of up to 30,000 bells.
Hitting rocks – Hit rocks with your shovel. Every day, one rock will have bell bags come out of it. The trick is to hit it as many times as possible. The first few times you hit it, you will get 100 bells, but that will increase to 1000, or even 10,000. A good strategy for hitting rocks fast is to wedge yourself next to the rock, by surrounding yourself with holes. Stand near the rock and dig holes behind you and next to you. Also, the upgraded shovels (see tools page) will get you more money.
Achieving Feng Shui – Feng shui can bring money, as well. To learn about this, check out our furniture page.
Visiting Katrina – She may give you a fortune that includes money.
Selling furniture – When you are done with old household items, do not throw them away. Sell them to Tom Nook!
Trading with villagers – Sometimes you can make a lot of money in your dealings with villagers. Most villagers will pay you more money for Sea Bass and gyroids than Nook will.
Collecting shells – You can sell seashells to Tom Nook. Shells are, for the most part, both easier to collect and better-paying than the native fruit in your town. A pocket of shells can easily bring 2,000b.
Shaking trees – When you shake trees, you can find all kinds of things. Most of the time, you will find 100 bell bags. Some other things you can find in trees are furniture and, of course, bees!
Selling gyroids – Nook pays 828 bells for gyroids, but the villagers will often pay more than that.
Selling found items – If you are really hard up for money, you can sell things from the lost and found at the town gate. To do this you have to claim items that are not yours. I thought this was wrong at first, until I realized that no one ever claims them. You can also sell items that have been dropped in the dump. If a friend who lives in your town has left their stuff all over for a long time, you may have to threaten to sell it, too.
Auctioning items – You can auction off your stuff to your friends. Talk to Lloid at the auction house in the city.
Managing Your Bells
You can deposit and withdraw bells from the ABD machine in the town hall or the ABD machine in the city. If you store 10,000 bells in the ABD, the bank will send you a Box of Tissues. For 1,000,000 (1 million) bells, they will send you a Piggy Bank. If you somehow manage to save 999,999,999 bells (that's one less than a billion) in the ABD machine, the bank will give you your very own ABD machine that really works for you to use in your house.
After you deposit your first chunk of money, you will receive an ABD card from the Bank of Nintendo in the mail. You do not need to have it in your pockets to use the ABD machine. You cannot use the shopping card at the following businesses: Tom Nook's store, the Able sisters' shop, Redd's shop, the Marquee, Shampoodle's, or Kick's shoeshinery. The only location at which you may use the shopping card is GracieGrace. If you visit the store without enough bells, Labelle--the sales associate--will ask if you wish to use your shopping card.
You should try to donate to your town fund, as well. You can do this at town hall. When the town fund reaches 200,000b, a new bridge will be built.
When it reaches 500,000b, a fountain will be built.
When the fund reaches 1,000,000b, you can choose whether you would like to receive a windmill or a lighthouse in your town. Everyone who lives in your town can work on the fund collectively, but friends from neighboring towns cannot donate to your fund.
If you have zero bells, try going to all the stores to buy stuff. Everyone will say, "Oh, I'm so sorry..." or "I don't know how to put this, but..." Even Kapp'n on the bus will laugh at you--goin' to town without any cash!