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  • DVC Advice

Understanding Banking and Borrowing of Disney Vacation Club Points

Updated: May 18, 2023

Disney Vacation Club (DVC) is a popular timeshare program that allows members to purchase points that can be used to stay at Disney resorts and other vacation destinations around the world. One of the key features of a DVC membership is the ability to bank and borrow points, which can help you make the most of your membership.


What is Banking?


Banking is the process of saving unused points from your current Use Year (the 12-month period when you can use your points) to use in a future Use Year. For example, if you have 100 points for your current Use Year but only use 50, you can bank the remaining 50 points to use in the next Use Year.


You must bank your DVC points before the end of your current Use Year or they will expire. The banking deadline is typically four months after the end of your Use Year. So if your Use Year ends on December 31, you have until April 30 to bank your points.


What is Borrowing?


Borrowing is the process of borrowing DVC points from your next Use Year to use in your current Use Year. For example, if you have 100 points for your next Use Year but want to take a longer vacation this year, you can borrow 50 points to use this year.


You can only borrow points that you will earn in your next Use Year, and you cannot borrow more than the total number of points you will earn that year. You must also use your borrowed points before the end of your current Use Year or the DVC points will expire.


Why are Banking and Borrowing Important?


Banking and borrowing are important because they allow you to manage your points more effectively. By banking unused points, you can save them for a future vacation or use them for a longer stay in a future Use Year. By borrowing points, you can take a longer vacation or stay in a higher-category room than you would otherwise be able to.


Let's say you have 100 points for your current Use Year and want to take a two-week vacation at Disney's Aulani Resort, but your preferred resort and room type requires 150 points. If you banked 50 points from your previous Use Year and borrowed 50 points from your next Use Year, you would have a total of 200 points to use for your vacation.


Banking and borrowing are two important features of DVC membership that allow you to make the most of your points. By banking unused points and borrowing points from your next Use Year, you can plan longer vacations, stay in higher-category rooms, and make your points go further. Just be sure to keep track of your banking and borrowing deadlines to avoid losing any points.



Main photo credit: MagicGuides.com

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