Navigating Timeshare Exchange Programs

Timeshare exchange programs offer owners the flexibility to explore new destinations by swapping their allocated timeshare weeks or points for stays at other resorts. This guide delves into how these programs work and provides insights into various timeshare exchange companies

How Timeshare Exchange Programs Work

1. Understanding the Basics

Timeshare exchanges allow owners to “trade” their designated weeks or points with others in a network or – more often – a credit towards future use. This system is ideal for those looking to visit different destinations without the commitment of purchasing additional timeshares.

2. Types of Exchanges

  • Internal Exchanges: These involve swapping timeshare intervals within the same company or brand network through affiliate partnerships –  i.e. “verified exchange partners”.

  • External Exchanges: Managed by third-party companies, these exchanges allow trades between various timeshare brands and locations globally.

Joining an Exchange Program

1. Membership Requirements

Most programs require an annual membership fee, separate from your timeshare's maintenance fees, which is paid directly to the exchange company.

2. Deposit (or Bank) Your Timeshare

You’ll need to deposit your timeshare weeks or points into the program's inventory to participate, after which you can request an exchange.

3. Making an Exchange

After depositing your timeshare, you can request a swap for a different location or time. Flexibility is key, as availability can vary greatly.

Reviews of Popular Timeshare Exchange Companies

1. RCI (Resort Condominiums International)

  • Pros: Largest network, extensive destination options, high flexibility.

  • Cons: Membership and exchange fees can be costly, especially for high-demand locations. There are many complaints against RCI regarding a lack of availability for high demand exchanges as well as paying for searches to hopefully find what you want. In a class action lawsuit, RCI was accused of renting banked inventory rather than making it available for member exchange. In a digital world that otherwise offers frictionless user experiences, one has to wonder about longevity.  

2. Interval International

  • Pros: High-quality resort portfolio, excellent customer service, additional travel discounts.

  • Cons: Fees are significant, and popular destinations require advance planning.

3. Dial An Exchange

  • Pros: No annual fee; charges only apply when an exchange is confirmed.

  • Cons: Smaller network compared to RCI and Interval International.

4. SFX Preferred Resorts

  • Pros: Offers a boutique collection of high-quality resorts; known for personalized customer service.

  • Cons: More limited network, though highly curated.

5. RTX (Resort Travel & Xchange)

  • Pros: Competitive fees and flexible exchange options; offers travel benefits beyond simple exchanges.

  • Cons: Smaller network but growing; some destinations may be limited.

Tips for Successful Timeshare Exchanges

  1. Plan Ahead: For best availability, especially during peak seasons, plan your exchanges months in advance.

  2. Be Flexible: Increasing your flexibility regarding travel dates and destinations can improve your exchange opportunities.

  3. Understand the Fees: Familiarize yourself with all related fees, including membership, exchange, and potential upgrade fees.


Timeshare exchange programs can significantly enhance the value of your timeshare by allowing access to a world of new vacation possibilities. By understanding the exchange process and carefully choosing an exchange company that fits your vacation style, you can enjoy diverse and fulfilling travel experiences. As with any timeshare-related decision, proactive and flexible planning is essential for making the most of your options.

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