5 Causes of Holes in Money Tree Leaves (And Solutions)

Last Updated on July 16, 2022 by Stephanie

The Money Tree ( Pachira aquatica) is a symbol of prosperity and luck However, it is also prone to a few snags in its leaves.

Lets examine what is causing those holes to appear in the Money Tree as well as what you can do to stop this from happening again.

Pests or diseases caused by insects are usually the cause of the holes in the leaves of money trees. Get rid of pests and then treat using biological or chemical agents to ensure that new leaves are not damaged. It is also possible to quickly repair issues with fertilizer or physical damage.

1. Pest Infestation

The Money Tree is a tasty food for all kinds of hungry insects and creatures.

The leaves of these plants are not high in toxins, which makes them suitable for pets. houseplant, however theyre not highly effective in repelling insects.

The holes are spotted in random places on the leaves. They may appear in the middle of leaves or near the edges and sometimes appear like the leaf is worn away.

Certain of the pests consume sap, leaving behind dry-out tissue that is blown away by itself.

Identifying Pests on Money Tree

Pests love to get into the crevices of the Money Tree Check the leaves, stems, and the branches bases.

A lot of sapsuckers set up in the tiny corners created by the veins of leaves, therefore pay attention to the leafs undersides.

Be on the lookout for insects as well. The bugs that eat sap frequently release sweet nectar that ants cant resist.

Although ants arent harmful to your plants, they can be an excellent indicator of there are other pests in the vicinity So I usually see them prior to sapsuckers.


Mealybugs are a type of tiny sap-sucking insect of plants which secretes excess sap to make sugary nectar.

They can be difficult to locate because they are tiny and prefer to be hidden in crevices which form within the veins the Money Plant. They are often soft and may be white, creamy, or lighter yellow.

Spider Mites

If your depressing Money Tree is covered with silky, soft threads, you could be suffering from an Spider Mite infestation.

These tiny nightmares are the size of a pinhead , and are vibrant red or orange.

Theyre sapsuckers and will establish camps in the toughest to treat zones.


Aphids are another common lousy man. Theyre as big as a sesame seed and can be either white, green, or white. Theyre a different kind of sap-sucking insect and they are found in large numbers on stems.

Scale Insects

Like the mealy bugs, scale insects enjoy taking their way through the Money trees dry. Different shades of gray, black, and brown are the color of these tiny insects and give their appearance as a tiny shield.

If youre lucky, you see them since they like to hide in crevices and crevices that surround the stem bases and veins of plants.

The Leaf Miner

The leaf miners are small insects who eat leaf tissue from the inside out. They are particularly fond of eating leaves that are called Money Tree leaves, which they do by creating an elongated path.

It is possible to have leaf miners if you notice that your leaves are covered with areas of translucent tissue that dry out and disappear in time.

Chestnut weevil

Chestnut weevils are a unique problem to tackle however, they are worthy of noting.

They are bigger than other enemies, sporting long faces and round, pert bodies with long, slim legs.

They feed off the fruit from the Money Tree So be on the lookout for these if you own a larger specimen.

The Japanese beetle

It is the Japanese beetle is a beautiful scarab beetle that has green and gold bodies.

They eat leaves until the veins, and leave only sad skeletons to remind of the food they consumed before.

The eggs develop into tiny grubs which devour any root they can discover within the soil.

Due to their ferocious appetite, even a tiny amount of these insects could quickly reduce the size of a Money Tree to a pitiful replica of the former version.

How To Get Rid of Bugs on Money Tree

You can manage the insects by hand even if you only have few. Make use of a cotton swab that has been coated with alcohol to eliminate scale, aphids and mealybugs from your plant.

Get rid of and eliminate insects like beetles and weevils by plucking them out with hand.

It is also possible to make use of a garden hose or showerhead for giving the Money Tree a good cleaning.

Given how difficult it can be to identify sapsuckers of all types This is a great method of treating the whole Money Tree at once.

But, spraying pesticides is the most efficient method. Neem oil is ideal because it repels bugs and does not harm us.

It can also be used as a polisher and conditioner, which makes your Money Tree look better overall. (See prices on Amazon price below.)

2. Boron Deficiency

Even a well-maintained Money Tree can suffer from an boron shortage because the majority of commercial fertilizers concentrate upon nitrogen, phosphorus, and potassium.

Boron is vital for the growth and development of leaves. If theres not enough of it the leaves will become smaller, thinner and less durable.

It is common for small injuries to develop into an enormous hole. It is likely that you suffer from a boron shortage when your leaves are weak and holes show up in the natural bend of the leaf.

The Solution Solution

Boron deficiency can be corrected by supplementing nutrition. I prefer using an foliar fertilizer to bring the boron in the place it is required to be.

Spray the leaves of the Money Tree with the mixture of 1/2 or 1/4 teaspoon boric acid, dilute by a gallon of water.

Money Tree Money Tree can use the Boron immediately by placing it onto the leaf. It also stops it from becoming an acid that is harmful to the soil.

3. Excess Fertilizer

The most recent leaves of the Money Tree come out tightly and wrapped around one another. If the nitrogen levels are too high, the leaf may unfold too fast and cause damage to the plant.

There will be tiny cracks in the leafs delicate tissue when exposed to sunlight.

The tiny cracks get bigger and eventually become cracks in the surface of the leaves.

If youve noticed an increase in the Money Tree, keep an eye on holes appearing in the leaves. If they show spots, youve over-fertilized your plant.


The simplest and most efficient way to repair the problem of a Money Tree that has been fed excessive fertilizer is to feed it plenty of liquid to dissolve the fertilizer, and after that, flush it out.

As much water that is clean as the medium of growth can hold, soak it in a thorough way.

I prefer to do this outdoors with the garden hose, however I could also perform it in the shower if I need to.

After the soil is coated with water, allow the fertilizer to disperse for approximately 15 minutes.

Add additional water to flush the medium. This will remove any fertilizer that is dissolved out of the soil.

Then, let the pot to dry before you transfer it to its cachepot or saucer.

It is also possible to completely change the pot of your Money Tree if you prefer. However, before you do that, make sure you start fresh by making a fresh batch of pot soil.

Fortunately, soil that is over-enriched can be an excellent addition to other plants in the house; sprinkle one or two scoops over the surface of your soil.

It is important to note that the Money Tree only requires fertilization every month throughout this growing time. Use a great liquid fertilizer to your watering container to achieve this.

4. Physical Damage

If youve considered all possible reasons for the holes in a Money Tree and none of them are applicable then you could be suffering physical injury or the repercussions of it.

Most of the time, the leaves of a plant that is knocked off a shelf or table are broken.

They are also a favorite choice for families that have children or pets, because their leaves are safe and do not pose a risk for the children or pets in the household.

Fingers or claws that were tiny might have caused the holes. The ability to resist pulling or stroking the attractive leaves of the Money Tree is a challenge for everyone even the most disciplined child.

Physical damages could also result from inadequate handling of transport or shipping.

Nowadays commercial growers often send plants via post.

While Money Trees are known for their durability, being tossed around in a container can cause damage to even the strongest of plants.

Be aware that a leaf damaged physically might not show signs of damage until it is old.

The tissue that has been damaged will begin to die prior to the leaves can recover and will result in holes. It may take a while before an injury can show its symptoms.


Make sure to keep the Money Tree out of the reach of pets and children, small plants that are easily accidentally tossed or tossed over.

Make sure that youre not in an area with lots of traffic, which could cause an accident with a bigger one.

5. Diseases

Many different illnesses could cause holes in the Money Tree. A lot of them have the same symptoms, that is, the appearance of lesions or spots on the leaves which rot away and create holes.

Lets take a look at how we can identify some of the more frequent ones.

Phytophthora Blight

The veins of Money Tree leaves become infected and the fungus then spreads across the tissue, creating the appearance of brown, blotchy patches.

Additionally the trees trunks are usually covered with dense, tender or even flaky tissues as a result.


Yellow spots are visible on the Money Tree leaves as the result of this fungal infection. Theyre only 1/2 inch in size and can change between dark brown and gray to tan when the tissue begins to die.

Small holes that are ringed with brown or yellow edges are typical.

Bacterial Leaf spot

Bacterial leaf spot can cause spots of water that have yellow rings around the spots.

If the conditions for your plant are humid, the spores can quickly expand across the leaf and turn blotchy and sodden. The tissue begins to die and holes begin to appear when they dry.

Sometimes, the leafs edges and tips are affected, and turn brownish-yellow prior to drying and breaking off.


The fungus is responsible for the circular lesions that appear in the Money Tree leaves. The lesions can start as blotches, and then progress to freckling, and sometimes bumps that are raised.

A hole remains in the tissue affected as the disease advances.

How to Treat Disease in Money Tree

It is not important what the reason is, you need to respond promptly. A single untreated Money Tree can quickly infect the entire collection if not addressed promptly.

Begin by securing and quarantining your Money Tree. Then, you can cut off the affected leaves using sterilized, clean shears. The sick leaves cant be composted, so you should throw them in the garbage.

Most of the time, this is enough to treat minor infections and the plant will be reintegrated into the collection within two or three weeks.

If you are suffering from an infection that is more severe I would recommend taking a broad-spectrum herb ( Amazon link) on the Money Tree.

Gardeners at home may have trouble recognizing the difference between fungal, bacterial and viral illnesses It is recommended to tackle all areas.

Keep watering and nourish your Money Tree as it recovers. If, at the end of the day, there is no evidence of illness, you may think about putting it back in your collection.

How to Prevent Holes on Money Tree Leaves

  • Be on the lookout for insects and get rid of them when they show up.
  • Fertilize every month, and be aware of boron deficiencies.
  • Make sure to keep your Money Tree away from children and pets.
  • Take care to treat the disease as soon as it is detected.


Went from an inexperienced gardener to a half-decent one over 10+ years. I cover anything from general indoor plant guides and lawn care, to succulents and flowers. Super happy to share my tips and tricks with you :)