BANKING AND BORROWING
Banking and Borrowing DVC Points
Banking and borrowing at a glance
Banking and borrowing give DVC Members more flexibility over when their points are used. Both work around the Use Year in which the stay will take place.
Banking points
Moves eligible points from your current Use Year into the following Use Year.
Borrowing points
Brings points from your following Use Year into the current one when they are needed for a reservation.
If you are unsure when your Use Year begins, start with our guide to what a DVC Use Year is.
What does it mean to bank DVC points?
Banking moves eligible points from your current Use Year into the following Use Year. This can prevent unused points from expiring and give you more points for a future stay.
DVC banking deadlines
Under the standard DVC rules, eligible points can be banked during the first eight months of your Use Year. The final date depends on your assigned Use Year month.
Always check your DVC account before acting, as the eligibility and status of individual points may differ.
What does it mean to borrow DVC points?
Borrowing uses points from your following Use Year for a reservation taking place in your current Use Year. It can help when the stay you want requires more points than you currently have available.
You do not borrow points in advance. They are borrowed when they are needed to complete a reservation.
Using three years of points for one stay
Banked, current and borrowed points can be combined for a stay taking place in one Use Year. This can provide up to three times your normal annual allocation, subject to the applicable DVC rules.
50
Banked points
100
Current points
80
Borrowed points
230 points available
Example based on a contract providing 100 points each year
After borrowing 80 points, only 20 points from the following year’s 100-point allocation would remain available for that Use Year.
What happens if you cancel a reservation?
Cancelling a reservation does not reverse a banking or borrowing transaction. The points remain in the Use Year into which they were moved.
More than 30 days before arrival
The points generally remain available for another reservation during the same Use Year, subject to availability and the normal rules.
30 days or fewer before arrival
The points are placed into a Holding Account. They have more restrictive booking rules and must still be used before the end of the applicable Use Year.
Should you bank or borrow?
Consider banking when:
You do not expect to use all your points before the end of their current Use Year and you are still within your banking deadline.
Consider borrowing when:
You have a specific reservation to make, need additional points and are comfortable reducing the points available during your following Use Year.
Both decisions are permanent, so check your travel dates, point balances and future plans before completing either transaction.
Have points you may not use?
If you are unsure whether to bank your points or would prefer to rent them, tell us roughly how many points you have and when they expire. We can explain your options and what your points could be worth through our Member Enquiry Form.
DVC rules can change and individual point restrictions may vary. Always check your Disney Vacation Club account or contact Member Services before completing a transaction.
Written by Joel Marlow
DVC Member and Co-Founder of DVC Rental UK
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