Point transfers offer valuable flexibility for DVC members, but understanding the rules and restrictions helps you use them effectively.
Point transfers let you move Vacation Points from your DVC account to another member's account. The process costs nothing when done through Member Services, but comes with specific rules that affect how and when you can use this feature. Understanding these restrictions helps you make better decisions about when transfers make sense for your vacation planning.
How DVC Point Transfers Work
A point transfer moves your Vacation Points to another DVC member's account permanently. You contact Member Services to initiate the transfer, providing the recipient's membership number and the number of points you want to transfer. The points keep their original Use Year and home resort status after the transfer.
Each member can participate in only one transfer per Use Year, either sending or receiving points. This means if you transfer 50 points to your sister in March, you can't receive points from anyone else until your next Use Year begins. The restriction applies to both sides of the transaction.
Point Transfer Fees and Costs
Disney doesn't charge fees for point transfers processed through Member Services. The transfer itself is free, which makes it an attractive option when you need to move points between family members or friends who are also DVC members.
However, third-party companies that facilitate point transfers between non-family members often charge service fees. These fees vary by company and aren't controlled by Disney. If you're working with a DVC resale broker, they can explain any fees associated with point transfers that might occur during your transaction.
Key Restrictions to Remember
Several important rules govern point transfers:
- One transfer per Use Year per member (sending or receiving)
- Transferred points retain their original Use Year expiration
- Transferred points cannot be banked after the transfer
- Points must be used within their original Use Year timeframe
- Transferred points maintain the sender's home resort status
The banking restriction is particularly important. If you receive transferred points in October and your Use Year ends in December, those points expire in December regardless of when you received them. You can't extend their life by banking them for the following year.
When Transfers Make Sense
Point transfers work well in several situations. You might transfer points to help a family member complete a reservation they're a few points short on. Group trips often benefit from transfers when one person makes reservations for everyone and needs additional points from other family members.
Transfers also help when you're purchasing a resale contract. The seller might transfer their current Use Year points to you as part of the sale, giving you immediate access to points while the contract paperwork processes. This lets you start making reservations right away rather than waiting for the next Use Year.
Some members use transfers strategically to consolidate points from multiple contracts. If you own at different resorts with different Use Years, transferring points can help you accumulate enough for larger reservations at your preferred location.
What Happens to Transferred Points
Once transferred, points appear in the recipient's account within a few business days. The points show up as regular Vacation Points, but they maintain their original characteristics. Points transferred from a Polynesian contract to your Beach Club account still have Polynesian as their home resort for booking purposes.
This home resort status affects your reservation timeline. If you receive Riviera points but own at Old Key West, you can use those transferred Riviera points for 11-month booking at Riviera, but only 7-month booking at other resorts.
Transfers in Resale Transactions
Resale contracts sometimes include current Use Year points that transfer to the purchaser at closing. These transferred points follow the same rules as any other transfer. Ask your broker whether the included points are original to the contract or were transferred from another member, as this affects their banking eligibility.
Understanding DVC resale restrictions helps you evaluate contracts that include transferred points. Some sellers transfer points to make their listing more attractive, but purchasers should understand the limitations of those points.
Working with an experienced broker ensures you understand exactly what points you're receiving and how you can use them. We help purchasers evaluate the true value of contracts that include various point types.
Planning Around Transfer Limitations
The one-transfer-per-Use-Year rule requires careful planning. If you think you might need to receive points later in your Use Year, don't transfer points to someone else early in the year. The restriction works both ways and lasts until your new Use Year begins.
Some families coordinate their transfer timing across multiple contracts or members. If parents own DVC and adult children also own contracts, they can plan transfers to maximize flexibility across the family's combined ownership.
Consider timing when planning transfers for specific reservations. Points need to be in the recipient's account before they can make reservations, so initiate transfers well before booking deadlines, especially for popular times and resorts.
Alternative Options to Consider
Before transferring points, consider other options that might meet your needs. Borrowing points from next year's allocation might work better if you only need a few extra points and haven't used that option yet.
Point rental through DVC's confirmed reservation system lets you book reservations for other people without transferring points. This works well when you want to gift a stay but prefer to keep control of your points until the reservation is used.
For more information about maximizing your DVC membership benefits, visit our How DVC Works guide or contact our team with specific questions about your situation.
When Point Transfers Make Financial Sense
Point transfers are most useful in two situations: when you have more points expiring at the end of a use year than you can use, and when a family member or close friend needs points for a specific trip but does not own DVC. Disney allows each member to transfer up to the total number of points in their contract once per use year, to one other active DVC member. The receiving member must have a valid, active DVC account — you cannot transfer points to a non-member.
The cost calculation is straightforward: multiply the number of points you are transferring by the per-point transfer fee Disney charges, which as of 2025 is $0.50 per point. A transfer of 200 points costs $100. That fee is charged to the transferring member. There is no fee for the receiving member.
Comparing Transfer Fees to Rental Income
Before transferring points to another member, it is worth comparing the economics against renting those points instead. Current DVC point rental rates run between $18 and $22 per point depending on resort and use year. If you have 150 points expiring and transfer them for $75 in fees, you are effectively giving away $2,700 to $3,300 in potential rental value.
Renting does involve more coordination than a simple transfer, but for most members with expiring points, it returns significantly more value. DVC Sales does not broker point rentals, but we are happy to point you toward reputable rental platforms. Call us at (407) 205-1435 if you want an honest comparison based on your specific contract and use year dates.
Transfer Restrictions Worth Knowing
Disney restricts transfers in several ways that catch new members off guard. Transferred points cannot be banked by the receiving member — they must be used in the current use year they were transferred. They also cannot be transferred again. Once Disney records the transfer, the points are locked to the receiving member's account with no further movement allowed.
Points that have already been banked cannot be transferred. Only currently active use-year points are eligible. If you banked 100 points last November and now want to transfer them, Disney will not allow it. This restriction encourages members to plan transfers early in their use year, before banking deadlines complicate the picture.
How Transfers Work at Closing
When you buy a resale DVC contract, the available points on that contract transfer to you as part of the closing process. This is distinct from a voluntary member-to-member transfer. Closing transfers are handled by the title company and recorded with Disney's ROFR and estoppel process. There is no $0.50-per-point fee for this type of transfer — it is simply the existing points on the contract passing to the new owner at closing.
If the contract you are buying has points in multiple use years, the contract listing will show exactly how many bankable points exist for each year. At DVC Sales, we require sellers to provide a full breakdown of available, banked, and borrowed points before we present a contract to buyers. This means you will always know what you are getting before you make an offer.
Checking Current Transfer Fee Rates
Disney occasionally adjusts transfer fees. The most reliable way to confirm the current rate is to log into disneyvacationclub.com and navigate to the Points Activity section, where transfer options and associated fees are displayed before you initiate a transaction. If you do not yet have an account, call Disney Member Services at 800-800-9100. Current fee schedules are also posted in the DVC member documents section of the Disney Vacation Club website.
