Is a Money Tree a Ficus? Unveiling the Truth

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Money trees are a popular indoor plant species known for their braided trunks and delicate, fan-shaped leaves. While these plants are often referred to as a “money tree,” some people may wonder whether they are a type of ficus tree. In this article, we’ll explore the characteristics of money trees and compare them to the traits of ficus trees to help determine their classification. We’ll also provide information on the care requirements for money trees, including light, water, and soil requirements.

Identifying a Money Tree

A money tree, scientifically known as Guiana chestnut, is native to Central and South America and has gained popularity as an easy-care houseplant due to its hardy nature1. Despite some similarities, it is not a ficus. There are certain key features to help identify a money tree:

  • Leaves: Money trees have deep green leaves that remain green all year round. The leaves are oval-shaped and come to a point at the tip2.
  • Bark: The bark of a money tree is dark brown and smooth2.
  • Flowers: Money tree blossoms are creamy colored flowers with five petals2.

On the other hand, ficus is a genus consisting of over 850 species1, including Ficus Benjamina or the Weeping Fig Tree, which might be occasionally confused with the money tree.

Each species of ficus trees have its own unique features. For instance, the Fiddle Leaf Fig (Ficus lyrata) is indigenous to West Africa and is characterized by its glossy, variable shaped leaves3. Due to the vast differences in species within the ficus genus, it’s crucial to examine individual characteristics to differentiate them from money trees.

Ficus: A Brief Overview

Ficus is a diverse genus consisting of about 900 species of trees, shrubs, and vines, belonging to the Moraceae family. Many of these species are commonly referred to as figs, with their native habitats extending primarily across the tropical areas of East Asia and throughout the world’s tropics [source]. The genus Ficus includes both woody and semi-woody plants, with some species known as epiphytes and hemiepiphytes, making this group of plants highly versatile and adaptable [source].

One well-known Ficus species is the common fig (F. carica), native to Southwest Asia and capable of growing in semi-warm temperate zones [source]. In general, ficus trees are relatively easy to care for once acclimated to their environment, thriving in bright indirect light and consistent watering schedules [source].

That being said, the money tree (Pachira aquatica), commonly referred to as the Guiana chestnut, is not a ficus. This species of tree is native to Central and South America and is unrelated to the Ficus genus [source].

When comparing the Ficus genus to the money tree, it’s essential to distinguish their differences in physical appearance, native habitats, and care requirements. Both plants have gained popularity as houseplants due to their unique foliage and ease of maintenance, but they belong to entirely different families in the plant kingdom.

Comparing Money Trees and Ficus


Money trees and ficus plants are popular houseplants with distinct features. Money trees, also known as Guiana Chestnut or Pachira Aquatica, typically grow between 6 and 8 feet tall when kept indoors [source]. They have slender, brown trunks and green, palmately compound leaves. Ficus trees, on the other hand, come in various species like the popular Fiddle Leaf Fig (Ficus lyrata) [source]. They usually have fuller foliage with broad, glossy leaves and woody stems, with some species growing over 100 feet tall [source].

Care Requirements

Both money trees and ficus plants have specific but different care requirements. Money trees need a well-balanced amount of light and water to thrive. They can tolerate lower light levels compared to ficus trees but still need indirect sunlight. Overwatering must be avoided, as it could cause root rot [source].

Ficus trees, such as the Fiddle Leaf Fig, require more light than money trees and should be placed near bright, indirect sunlight. They also need a consistent watering schedule, allowing the soil to dry slightly between waterings. Proper care of a ficus plant includes regular pruning to maintain its shape [source].


Money trees and ficus plants hold different symbolic meanings. The money tree, with its origins in South America, is believed to bring good luck, fortune, and prosperity. It’s often associated with the concept of Feng Shui and has become a popular gift for housewarming events or new business ventures.

On the other hand, ficus plants, many of which are native to Asia, do not have the same symbolism in terms of prosperity. Ficus plants are known for their beauty and adaptability, making them a desirable addition to home and office spaces for their aesthetic appeal.

Popular Varieties and Hybrids

Money Trees

Money trees, also known as Guiana chestnuts, are a species of tree native to Central and South America. They have become popular, easy-care houseplants due to their hardy nature and attractive appearance. Money trees are not a variety of ficus, but they are often mistakenly thought to be so because of their similar looks and cultural significance.

These trees feature green foliage and a unique braided trunk, which is often considered to bring good luck and fortune. Money trees are not succulents, but they share a nickname, and some spiritual associations, with Jade plants, which are indeed succulents native to South Africa and Mozambique (The Healthy Houseplant).


Ficus is a genus of trees, shrubs, and vines consisting of many diverse species. One of the most popular types of ficus to grow indoors is the Fiddle Leaf Fig (Ficus lyrata), which originates in West Africa, specifically Sierra Leone and Cameroon (Petal Republic). It is known for its glossy, variable-shaped leaves and slender, brown trunk.

Another well-known ficus species is the Weeping Fig (F. benjamina), a hemiepiphyte with thin, tough leaves on pendulous stalks adapted to its rainforest habitat (Wikipedia). Ficus trees can be easily grown as indoor plants, and their distinct features make them attractive choices for interior decoration and air purification.

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