£4000 Balance Transfer

£4000 Balance TransferWhen you are looking to make a £4000 balance transfer which 0% credit cards are the most suitable balance transfer cards for a £4000 balance transfer?

A £4000 balance transfer to a new 0% balance transfer credit card means that a credit card customer actually needs to be approved for a new credit card with a credit limit in excess of £4,000.

With most UK balance transfer credit cards a balance transfer can be made for, at most, 90 or 95% of the customer’s available credit limit.

So to make a £4000 balance transfer a credit card customer will actually need to be given a credit limit on the new card in excess of £4,000.

Our maximum balance transfer amount page has details of some of most popular balance transfer credit cards and their balance transfer percentage limits.

As an example, to make a £4000 balance transfer

  • A cardholder would need a credit limit of £4,450 or more for cards with a 90% transfer limit
  • or £4,215 or more for cards with a 95% transfer limit

£4000 Balance Transfer

Before the credit crunch, getting a new credit card with a credit limit of over £4,000 was relatively common, but more recently the credit card companies have tended to issue credit cards with lower initial credit limits.

All of the following credit cards however do tend to be more generous with their credit limits, so are more likely to be suitable for a £4000 balance transfer.

Card Offers

Tesco Clubcard Credit Card for Balance TransfersTesco Clubcard Credit Card for Balance Transfers
  • 0% interest for 35 Months on balance transfers
  • 2.7% balance transfer fee
  • 0% interest for 3 Months on purchases
  • More Information

Card Details

Tesco Clubcard Credit Card for Balance Transfers
  • 0% interest for 35 Months on balance transfers from account opening
  • 2.7% balance transfer fee
  • 0% interest for 3 Months on purchases from account opening
  • Choose your card design
  • Apply online and get a decision within 60 seconds
  • Online Account Management
  • Annual Fee: None
  • More Information

Application Details

Tesco Clubcard Credit Card for Balance Transfers
Has the following application criteria:-
  • You have an annual income of at least £5,000
  • You are at least 18 years of age
  • You have a good credit history
  • You live in the UK, or have a British Forces Post Office address
  • You don't currently hold a Tesco Bank Credit Card
  • You have not applied for a Tesco Bank Credit Card in the last 6 months
If you meet these criteria, then please click here for More Information

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Tesco Bank, PO Box 27028, Glasgow, G2 9FT

Card Offers

Halifax Balance TransferHalifax Balance Transfer
  • 0% for up to 36 Months* on balance transfers
  • 2.45% balance transfer fee
  • 0% for 6 Months on purchases
  • More Information

Card Details

Halifax Balance Transfer
  • 0% for up to 36 months from account opening on balance transfers
  • 2.45% balance transfer fee, minimum fee £3.00
  • 0% for 6 months from account opening on purchases
  • No rewards offer with this card
  • Cover against online fraud when purchasing on the Internet
  • 2.45% balance transfer fee in first 90 days, 3% fee applies after 90 days
  • Annual Fee: None
  • More Information

Application Details

Halifax Balance Transfer
Has the following application criteria:-
  • You are a UK resident
  • You have a regular income
  • You do not have any Count Court Judgements against you
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

SPECIAL OFFER: 2.45% balance transfer fee in first 90 days, 3% fee after 90 days
*The APR and length of the promotional offer are dependent on your personal circumstances
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
Bank of Scotland plc, The Mound, Edinburgh, EH1 1YZ

Card Offers

Lloyds Platinum 28 MonthLloyds Platinum 28 Month
  • 0% for 28 Months on balance transfers
  • 1.5% balance transfer fee
  • 0% for 12 Months on purchases
  • More Information

Card Details

Lloyds Platinum 28 Month
  • 0% interest for first 28 months on balances transferred within first 90 days
  • 1.5% balance transfer fee
  • 0% interest on purchases for first 12 months after account is opened
  • No rewards offer with this card
  • Lloyds Clicksafe and Internet fraud protection
  • 1.5% balance transfer fee in first 90 days, 3% fee applies after 90 days
  • Annual Fee: None
  • More Information

Application Details

Lloyds Platinum 28 Month
Has the following application criteria:-
  • You are a UK resident
  • You have a regular income
  • You are free from any county court judgements
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

SPECIAL OFFER: 1.5% balance transfer fee in first 90 days, 3% fee after 90 days
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)
Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN

Card Offers

Bank of Scotland 32 Month Balance TransferBank of Scotland 32 Month Balance Transfer
  • 0% for up to 32 Months on balance transfers
  • 1.54% balance transfer fee
  • 0% for 6 Months on purchases
  • More Information

Card Details

Bank of Scotland 32 Month Balance Transfer
  • 0% for up to 32 months from account opening on balance transfers
  • 1.54% balance transfer fee, minimum fee £3.00
  • 0% for 6 months from account opening on purchases
  • No rewards offer with this card
  • 1.54% balance transfer fee in first 90 days, 3% fee applies after 90 days
  • Online account management
  • Annual Fee: None
  • More Information

Application Details

Bank of Scotland 32 Month Balance Transfer
Has the following application criteria:-
  • You are a UK resident
  • You have a regular income
  • You have not bankrupt or subject to an IVA and have no County Court Judgments
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

SPECIAL OFFER: 1.54% balance transfer fee in first 90 days, 3% fee after 90 days
*The APR and length of the promotional offer are dependent on your personal circumstances
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
Bank of Scotland plc, The Mound, Edinburgh, EH1 1YZ

Card Offers

NationwideNationwide
  • 0% for 26 Months on balance transfers
  • 2.4% balance transfer fee
  • 0% for 3 Months on purchases
  • More Information

Card Details

Nationwide
  • 0% on balance transfers for 26 months from account opening
  • 2.4% balance transfer fee, minimum fee £5.00
  • 0% on purchases for 3 months
  • No rewards offer with this card
  • Commission free allowance on purchases abroad (subject to terms)
  • Manage account online
  • Annual Fee: None
  • More Information

Application Details

Nationwide
Has the following application criteria:-
  • You have been living in the UK for the last 12 months
  • You have a gross income each year of more than £5000
  • You have a good credit history
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable)
Nationwide Building Society, Nationwide House, Pipers Way, Swindon, SN38 1NW

Card Offers

Santander 123Santander 123
  • 0% for 23 Month on balance transfers
  • 0% balance transfer fee
  • 0% for 23 Months on purchases
  • More Information

Card Details

Santander 123
  • 0% interest on balance transfers for 23 month from date account opened
  • 0% balance transfer fee
  • 0% interest on purchases for 23 month from date account opened
  • 1% cashback at all major Supermarkets
  • 2% cashback at all major Department stores
  • 3% cashback at major Petrol Stations and on National Rail & Transport for London
  • Annual Fee: £24
  • More Information

Application Details

Santander 123
Has the following application criteria:-
  • You are a permanent UK resident
  • You have a good credit history with no history of bad credit
  • You have an income of £7,500 per year or more
  • You are at least 18 years of age
If you meet these criteria, then please click here for More Information

SPECIAL OFFER: 0% balance transfer fee and cashback, £24 annual fee applies
Representative Example: 16.5% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 12.7% p.a. (variable) with an annual fee of £24 payable
Santander Cards Limited, 2 Triton Square, Regents Place, London NW1 3AN

Card Offers

Tesco Clubcard Credit Card with No Balance Transfer FeeTesco Clubcard Credit Card with No Balance Transfer Fee
  • 0% interest for 19 Months on balance transfers
  • 0% balance transfer fee
  • 0% interest for 1 Month on purchases
  • More Information

Card Details

Tesco Clubcard Credit Card with No Balance Transfer Fee
  • 0% interest for 19 Months on balance transfers from account opening
  • 0% balance transfer fee
  • 0% interest for 1 Month on purchases from account opening
  • Choose your card design
  • Apply online and get a decision within 60 seconds
  • Online Account Management
  • Annual Fee: None
  • More Information

Application Details

Tesco Clubcard Credit Card with No Balance Transfer Fee
Has the following application criteria:-
  • You have an annual income of at least £5,000
  • You are at least 18 years of age
  • You have a good credit history
  • You live in the UK, or have a British Forces Post Office address
  • You don't currently hold a Tesco Bank Credit Card
  • You have not applied for a Tesco Bank Credit Card in the last 6 months
If you meet these criteria, then please click here for More Information

SPECIAL OFFER: No balance transfer fee
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Tesco Bank, PO Box 27028, Glasgow, G2 9FT

Card Offers

Post Office PlatinumPost Office Platinum
  • 0% for 18 Months on balance transfers
  • 0% balance transfer fee
  • 0% for 3 Months on purchases
  • More Information

Card Details

Post Office Platinum
  • 0% on balance transfers for 18 months
  • 0% balance transfer fee
  • 0% on purchases for 3 months
  • No fees on purchases overseas
  • No cash fee when you purchase Post Office Travel Money
  • Online account management
  • Annual Fee: None
  • More Information

Application Details

Post Office Platinum
Has the following application criteria:-
  • You are a UK resident
  • You have a bank or building society account
  • You have a gross annual income of £15,000 or more
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

SPECIAL OFFER: Initial 2.98% balance transfer fee reduced to 0% after refund
Representative Example: 17.8% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.8% p.a. (variable)
Bank of Ireland (UK) plc. Bow Bells House, 1 Bread Street, London, EC4M 9BE

A £4000 balance transfer is most likely to be available to credit card customers with a good credit rating and a low level of debt in relation to their overall income levels.

Our large balance transfer credit cards page has more details of how to increase your prospects of being approved for a £4000 balance transfer credit card.

Today Balance Transfer Expert has:-

  • 0% balance transfers for up to 36 months with a 2.45% fee
  • 0% balance transfers for up to 28 months with a 1.5% fee
  • 0% balance transfers for up to 19 months with no fee

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