hey could you be a little more specific on what you mean by "money effect". you're asking a vague question with little to none extra context information
So if you mean the money effect its not a buyable effect. when a player has a bounty on them set with /bounty an effect will go around them and follow them with the bounty amount.
Hey there! I think you're referring to when a green dollar amount appears around someone in PVP. If that's so, this amount is a bounty that someone has placed on that player. If you kill that player in PVP, you'll receive that dollar amount. Hope this helps!
If you’re talking about putting money in your bank, and it grows... sorry the money effect doesn’t happen in minecraft