How Borrowing and Banking Points Work at Disney Vacation Club



dvc bank and borrow

Every DVC owner receives an allotment of points to use within their Use Year. Your Use Year is based on your contract and can be any month of the year. Let’s say you’re an owner with a June Use Year. That means that from June of 2019 until May 2020 you have your full allotment of points available to use. What if you don’t use or points, or what if you need more points? This is where banking and borrowing your Disney Vacation Club points comes in handy. 

Borrowing Points

If you find yourself ready to book your perfect Disney vacation but you’re short a few points, don’t throw in the towel just yet. You have several options for acquiring enough points for your stay, the most popular being borrowing points.

Every DVC owner has the option to borrow points from the following Use Year to complete a reservation that requires more points than you currently have available. Keep in mind that all points are based on Use Year. If you book a reservation for next year and it falls into your next Use Year, borrowing points would actually come from the following Use Year.

Example:

You own a June Use Year contract. This means your current allotment of points are available to use from June 2019 until May 2020. Let’s say you want to book a reservation for March 2020. Even though the reservation is in 2020, you’ll be using your current year’s points since the reservation falls within your current Use Year (June 2019 – May 2020). If you need to borrow points to complete this reservation the points will come from your next Use Year’s allotment, which is June 2020 to May 2021.

Now let’s pretend it’s October 2019 and you want to book a reservation at your home resort for August 2020 (within your 11-month booking window). This reservation would actually fall into your June 2020 to May 2021 Use Year. Therefore, you’ll be using your 2020 points to book the reservation and any points that you need to borrow to complete the reservation will come from the following year’s (June 2021 to May 2022) allotment of points.

Banking Points

If you’ve been too busy to travel this year or just have a few points left over in your current Use Year, all DVC members have the option to bank their points into the following Use Year to extend the usage of these points. Once your points are banked you have until the end of the banked Use Year to book reservations with these points. 

Example:

Your Use Year is June, therefore your current allotment of points are available from June 2019 until May 2020. It’s now October 2019 and have no plans to travel between now and May 2020. In this situation you can take any remaining points you have and bank them into your next Use Year. You will then have between June 2020 and May 2021 to use these banked points as well as your 2020 points.

A great reason to bank points is actually to book a future reservation that requires more points than you currently have available. For example, let’s say your Use Year is June, it’s now October and you want to make a reservation for July 2020 (during your home resort 11-month booking window), but you don’t have enough points for the reservation. This July 2020 reservation falls into your June 2020 to May 2021 Use Year. In this situation you can bank remaining points from this Use Year (June 2019 to May 2020) into next year and use the points in combination with your 2020 allotment of points to complete your reservation.

Keep in mind that you must bank points within the first 8 months of your current Use Year. You may not bank points during the last 4 months of your Use Year.

Things to Remember

  • You can only borrow points to complete a reservation that requires more points than you currently have. 
  • You can only borrow points from the following Use Year’s allotment of points to complete your reservation. 
  • Banking and borrowing points are final and irreversible transactions.
  • Banked points cannot be banked again, so make sure you use them up.
  • You may only bank points within the first 8 months of your current Use Year. You cannot bank points during the last 4 months of your Use Year.
  • All banked and borrowed points keep their home resort affiliation. You cannot combine points from different home resorts to book during the 11-month booking window. You may combine points to book during the 7-month booking window.

Banking and borrowing are a great way to get the most out of your Disney Vacation Club ownership. As a DVC owner, these two options provide you with extra flexibility to book that perfect family vacation, whether that means booking longer stays, more vacations or larger units.

Guest Author

Katherine Rand

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