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Animal Crossing New Horizons Bells are one of the two currencies you can spend and earn in Animal Crossing: New Horizons. The other currency is ANCH Nook Miles. You'll use ACNH bells to pay off your various mortgages, fund upgrades to your island, buy new clothes and furniture, among other activities. Animal Crossing Bells are basically what makes the Animal Crossing world go round. For this reason, you're going to spend an awful lot of your time in New Horizons earning, and spending, bells.