With Animal Crossing: New Horizons 3.0 coming to Nintendo Switch and Nintendo Switch 2, many users are now jumping into the game for the first time. As outlined in our Milestone Article, there are quite a few things to unlock, and along the way a lot of money (Bells) will be required. So to help you start your journey, we've put together a quick list of ways you can become rich quick—making Bells something you will never need to worry about.
In addition to these fast farming methods, we'll also be including general tips which will keep your income going. Some of these options were not available during the game's initial launch, so even long time players can benefit from them.
Bell Boom Ordinance:
Before starting, players will want to be aware of Ordinances, which actually become unlocked after K.K. visits the island (please refer to our previous guide). These Ordinances alter the way your island operates for a fee of 20,000 Bells, and this can be used to your advantage. The Bell Boom Ordinance increases the cost of items by 20% and increases your income by 20% as well. While this balances out in general, town upgrades, house upgrades, etc, are not impacted by the 20% increase. This means while your standard items in the shops will cost more, anything major remains at the original cheaper price.
Using the Bell Boom isn't required by any means, but players can quickly accumulate a large bank account by using it, and they can always change the Ordinance later to remove the 20% discount. Again, this isn't something you can do when first beginning the game, but something to consider later on.
Grow Non-Native Fruit:
Our first tip is one of the two long-running farming methods that you should simply set up as soon as possible. While our goal with this guide is to help you become rich as quickly as possible, these long term methods will keep your Bell count up. This will be especially helpful when item storage limits increase, and Nook asks players to shell out even more Bells.
Native Fruits sell for 100 Bells a piece, with each tree providing three every other day. Non-Native Fruits on the other hand sell for 500. If you like the tree placement on your island, you can chop down existing standard trees (non-fruit trees) and plant Non-Native Fruit trees in their place. Once fully grown, players can bring in quite a bit every other day, and that does add up. 30 trees will amount to 45,000 Bells, which will quickly add up as the days, weeks, and months go by.
Note: Avoid removing all Non-Fruit trees, and keep pine trees. Without them special Holiday events will not work as intended, and the daily hidden items will not spawn.
Grow a Garden:
A much faster, and easier option than growing trees.
By growing a small garden, which also produces every other day, players can create a centralized money farm. While trees will require you to travel the entire island to shake them, each plant only takes up one space, they produces multiple crops, and you can quickly pick them all in less than a minute (depending on the size of the garden). The only catch is you do have to water them every day for the plants to grow the maximum amount of produce, but even this only takes about a minute of your time. When everything is said and done, you can typically bring in 20,000 to 40,000 Bells a day—which adds up fast.
You can also grow a second garden, or split the growing rate, so crops are ready every single day rather than every other.
Diving:
The first "fast" method is none other than diving. While fishing and catching bugs are an option as well, Bug Nets and Fishing Rods break with use, while diving only requires an unlimited use wet suit. By simply swimming around your island catching everything you see along the way, you can gather millions of Bells in a single day. Ocean creatures tend to sell for a higher price than standard fish, with rare finds being much more common in the long run. Yes it will be time consuming, but the payoff is great. It can also go faster when using party-play, as sea creatures captured by players other than the leader will be sent to the storage box in Resident Services. They can then be picked up and sold later.
This is personally the method my wife and I used when she began playing New Horizons for the first time. By working together we were able to obtain 5,686,000 Bells in a single day to completely pay off her house. Did it take all day? Yes, but we ultimately had a lot of fun and it was well worth it.
The Tarantula and Scorpion Trick:
Another fast farming method that also takes a little bit of prep work, and can only be done at night.
By using Nook Miles to travel to one of the random islands, players can create conditions that cause high selling Tarantulas and Scorpions to appear. This requires cutting down all of the trees on an island, digging up the stumps, destroying all of the flowers, and clearing all items. The idea is to have a completely blank slate mini island, where only specific bugs can spawn in. Without plants, tarantulas and scorpions are two of the few bugs that can appear, and that can be used to one's advantage.
Once the island is clean, simply run around in circles until the bugs appear. Catch as many as possible, which is a bit tricky as they will chase you, and then return to your own island to sell them. They sell for 8,000 a piece normally, or for 12,000 when sold to the special character Flick. With a max inventory storage of 40, minus the bug needed, players could catch at least 39 of them in one visit. This amounts 312,000 Bells per trip, or 468,000 when sold to Flick.
This method is fast, but the extra setup each time does take awhile. Nook Miles are also required to visit these random mini islands, which players may be limited on initially. One also has to take into consideration the tools needed to clear the island each time, and if they would rather keep them in their inventory, or discard them for extra storage space.
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