Cold hardiness & minimum temperature

Is Money tree (Pachira aquatica)cold hardy? Hardiness zone & min temp

Also called Guiana chestnut, braided money tree, Malabar chestnut.

About Money tree

Pachira aquatica · also called Guiana chestnut, braided money tree · tropical

Money tree is a Central and South American wetland tree, usually sold as braided-trunk specimens for offices and homes. It tolerates a wide range of conditions and is forgiving of occasional neglect. Pet-safe by ASPCA standards.

Pachira aquatica is native to tropical rainforests, freshwater swamps and riverbanks from Mexico to northern South America, a wetland tree adapted to seasonal flooding.

Reaches 20-30 ft in the landscape but stays roughly 6-8 ft indoors and is usually sold with a braided trunk; ASPCA lists Pachira aquatica as non-toxic to dogs, cats and horses.

Cold limit: USDA 10-12 (indoor-only in most US homes) · RHS H1b (18-27°C)

Sources: missouribotanicalgarden.org, aspca.org

What money tree's hardiness rating actually means

Money tree is not cold hardy. It is a tropical houseplant that dies if it is left out through frost — there is no zone where it overwinters outdoors in a UK or cold-US climate. Its RHS rating of H1b means: Sub-tropical — a normal warm home is fine, but it cannot go outside in a cool season. On the US scale that maps to USDA 10-12 (indoor-only in most US homes) — the zones where it can be left outdoors year-round.

New to these scales? The USDA hardiness zone map explained covers how the zone numbers work, and you can find your own zone with the zone finder.

Minimum temperature — and what happens below it

Minimum survivable temperature is roughly about 10 °C (sustained cold below this is damaging). Money tree has no frost tolerance at all — it is an indoor plant in any climate with a real winter.

Concretely, for money tree as it gets too cold:

Below about about 10 °C, growth stalls and the leaves start to show cold stress — dark, water-soaked, or yellowing patches.
A single light frost blackens the foliage; a hard freeze kills the whole plant, roots included, and it does not recover.
Even a cold, draughty windowsill or an unheated porch in winter can be enough to damage it permanently.

Can money tree go outside or overwinter — and where?

It can holiday outdoors in summer once nights are reliably above 10 °C, in shade or dappled light, hardened off gradually.
Bring it back indoors well before the first autumn frost — do not wait for a frost warning, move it when nights drop toward 10-12 °C.
It will never overwinter outside in a temperate climate; the indoors is its winter home, full stop.

Work back from your local frost dates with the frost-date calculator: the last spring frost and first autumn frost are what really decide when money tree can be outside. US growers can check USDA zones; UK growers should use the RHS hardiness ratings, which match the H1b figure above.

Money tree hardiness — frequently asked questions

Is money tree cold hardy?

Money tree is not cold hardy. It is a tropical houseplant that dies if it is left out through frost — there is no zone where it overwinters outdoors in a UK or cold-US climate. Indoor-only in almost every home. Money tree can only live outside year-round in genuinely frost-free climates (roughly USDA 10-12 (indoor-only in most US homes)); everywhere else it is a houseplant that summers out at most.

What is the minimum temperature money tree can survive?

Minimum survivable temperature is roughly about 10 °C (sustained cold below this is damaging). Money tree has no frost tolerance at all — it is an indoor plant in any climate with a real winter.

What hardiness zone is money tree?

Money tree is rated USDA 10-12 (indoor-only in most US homes) and RHS H1b — Sub-tropical — a normal warm home is fine, but it cannot go outside in a cool season.

Can money tree survive winter outside?

It can holiday outdoors in summer once nights are reliably above 10 °C, in shade or dappled light, hardened off gradually. Bring it back indoors well before the first autumn frost — do not wait for a frost warning, move it when nights drop toward 10-12 °C. It will never overwinter outside in a temperate climate; the indoors is its winter home, full stop.

What happens to money tree below its minimum temperature?

Below about about 10 °C, growth stalls and the leaves start to show cold stress — dark, water-soaked, or yellowing patches. A single light frost blackens the foliage; a hard freeze kills the whole plant, roots included, and it does not recover. Even a cold, draughty windowsill or an unheated porch in winter can be enough to damage it permanently.