Banking and Borrowing Disney Vacation Club Points

Disney Vacation Club owners have the ability to move DVC points from one Use Year into an adjacent Use Year. If a member needs more points for a reservation, they may borrow points from the next succeeding Use Year to secure their desired reservation. If a member does not plan on using all of their current use year allotment, they can save these points by banking them into the next usage year.

In order to Bank points, the member must make the request during the first eight calendar months of their use year. In other words, for a member with a February anniversary- the banking request must be made by the end of September. Any or all of a members annual point allotment may be banked. Once banked, the points cannot be returned to the original use year. However, there is a strategy that is commonly used if a member has banked points and later needs additional points in the current use year. They will simply borrow the needed points from the future usage year (basically reaching into their other pocket so to speak!).

In order to Borrow points, a member must be making an immediate reservation that requires more points than are available in the current use year. A member may borrow up to 100% of their next year's point allotment. Just like with banking, once borrowed the points cannot be returned to their original use year, and if they are not used by the end of the current use year they will expire and be forfeit.

It is possible for a member to have up to three times their annual point allotment available for reservations in a single use year. This is a strategy used by members who purchase a smaller point allotment, with the intention of manipulating points so they receive their desired vacation every third year. This is also a common strategy used to take advantage of additional vacation options such as Disney Cruise Line reservations and the Disney Concierge Collection (The internal exchange program for non-DVC resorts is only available to those  members who purchased their timeshare ownership directly from Disney Vacation Club at full developer price, and does not transfer to a resale buyer via the secondary market).

If you cancel a reservation that was made with banked or borrowed points, those points still remain in the current use year and will expire at the next anniversary unless used. Disney reserves the right to suspend banking and borrowing privileges if necessary to maintain the integrity of the reservation system and ensure that there is enough availability in a use year for the available points.