DVC by D Point vs bank & borrow
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
DVC by D Point
Easily calculate the Disney Vacation Club (DVC) points needed for your resort stays. View daily breakdowns, save vacation details, and track contract points. Offers advanced features like a point maximizer and future planning for purchase.
- Calculate DVC resort stay points
- Daily point breakdown and season view
- Save vacation details and add reminders
- Track contract point totals
- Organize banked, borrowed, and one-time points
- Point Maximizer feature
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Calculate the number of Points needed for a stay at a Disney Vacation Club Resort in less than 20 seconds. Calculate point values up to 60 days into future for free. Calculate through 2022 available for purchase. Magical features: * All DVC Resorts * Simple, easy to use and intuitive interface * Optimized iPad layout * Summary point total as well as a daily point breakdown of points and season * Email & print results * View key dates and add reminders for each saved vacation (7 month, 11 month, etc) * Organize and track contract point totals by use year * Track banked, borrowed and one time point transactions for multiple contracts Available for additional purchase: * Point Maximizer - Point saving alternatives with a single touch. * Plan vacations through the 2022 Calendar Year. Please help make DVC by D Point even better: send comments, suggestions and feedback. Visit: http://new.virtualmickey.com This application not authorized or endorsed by The Walt Disney Company or the Disney Vacation Club. All Trademarks are property of their respective owners.
bank & borrow
Plan your Disney Vacation Club trips with ease. Search and compare resort and room options, check availability, and set alerts for desired dates. Track upcoming trips and calculate dues for your contracts.
- Search and compare resort/room point costs
- Check resort availability
- Availability alerts for specific dates
- Trip countdown timer
- Dues calculator for contracts
- Home screen widgets
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Welcome Home! The bank & borrow app is your home for planning your next trip! SEARCH AND COMPARE Quickly browse multiple resort and room combinations to see the point cost for your planned dates. You can also limit your results to the maximum number of points you want to use! COUNTDOWN View your upcoming trips and count down the days until your next Welcome Home! DUES CALCULATOR Quickly calculate the dues for your current contracts or a future contract! WIDGETS Countdown to your next trip from the Home Screen of your iOS device! SHARE Share your upcoming trips so you can plan with your friends and family!
Screenshots
Verdict
The clearest difference is rating: bank & borrow at 4.8 against DVC by D Point's 2.8. bank & borrow also leads on review sentiment (89% vs 62%) and ratings volume (117 vs 10). DVC by D Point's advantage is iOS requirement (8.0 vs 18.0). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. DVC by D Point sells 10 one-off in-app purchases and bank & borrow sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.
bank & borrow holds the better App Store score, 4.8 against 2.8. That said, the two scores are not equally well evidenced: bank & borrow has 117 ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 62% of DVC by D Point's written reviews are positive against 89% of bank & borrow's.
DVC by D Point ships an update every 2 months, bank & borrow every 6 weeks. Both last shipped on October 17, 2026.
| Parameter | DVC by D Point | bank & borrow |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (10 ratings) | 4.8 (117 ratings) — better |
| Positive reviews | 61.9% of reviews | 89.5% of reviews — better |
| Number of ratings | 10 | 117 — better |
| Update frequency | Every 2 months | Every 6 weeks — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 8.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 207 MB | 67 MB |
| Age rating | 4+ | 4+ |
| Developer | Joe Fratianni | Austin Kirk |
Customer experience
DVC by D Point
bank & borrow
Bugs and requests
DVC by D Point
Reported bugs
13 issues- App crashes on launch
- App crashes when clicking 'email developer'
- Not allowing date selection
- Cannot select dates
- Upgrade fails
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- Math errors in latest update
- Clumsy dial input system
- Does not save banking and borrowing
- 2012 vacations replaced by 2013
- Points are not correct compared to Disney site
- Point tracking does not add up accurately
- App crashes on older iPhones/iTouch with new update
- Cannot delete or modify saved trips
Requested features
19 requests- 2025 points upgrade
- Support for cruise line
- Meal plan calculator
- Reservation tracker
- Sync across devices (iCloud/Dropbox)
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- Ability to delete/edit saved trips
- More resorts and locations
- Calendar for reservation windows (11/7 months)
- Transaction history notes
- iOS 7 design
- Advanced point tracking and management
- Ability to select specific contracts/use years
- Email trips feature
- Add 30-day cancellation info
- Replace toll-free line with non-toll-free
- Point summary in saved trips view
- Directly edit trip info from saved view
- Sort saved view by date
- Store use year and allocated points, show summary totals
bank & borrow
Not enough reviews yet to summarise bugs or requests.
In-app purchases
DVC by D Point
- Chocolate shake$0.99
- Strawberry Shortcake$0.99
- Frozen Sunshine$0.99
Show 7 moreShow fewer
- No Way Jose$1.99
- Milky Way Sundae$1.99
- Mickey Confetti Milk Shake$1.99
- 2021 Point Charts$1.99
- 2022 Point Charts$1.99
- 2023 Point Charts$1.99
- 2024 Point Charts$1.99
bank & borrow
- Plus Monthly$2.991 Month
- Plus Yearly7 Days trial$29.991 Year
Questions
Is DVC by D Point free?
Is bank & borrow free?
Which has better reviews, DVC by D Point or bank & borrow?
Do DVC by D Point or bank & borrow have ads?
Which is updated more often, DVC by D Point or bank & borrow?
Other comparisons
