Animal Crossing Money Tree. The money tree (also referred to as a Bell tree) is a type of tree featured in the Animal Crossing series. They'll only produce Bells one time, and after you shake the money bags off the trees, they'll go back to being a regular tree.
Once you have found this glowing gold spot, pull out your trusty shovel. Read this Animal Crossing: New Horizons Switch (ACNH) guide on how to grow a money tree / bell tree. Look for a glowing spot on your island.
And as such, you must plant it in order for it to grow.
Animal Crossing: New Horizons players can grow a money tree to significantly increase the amount of Bells they have to develop the island with.
Look for a glowing spot on your island. Sure, Tom Nook doesn't let you bank with interest, but you can still make sure that you reap the rewards on your financial. Some players have reported following a pattern.