£4000 Balance Transfer

£4000 Balance TransferWhen you are looking to make a £4000 balance transfer, which UK 0% credit cards are the most suitable balance transfer cards in 2017?

Here at Balance Transfer Expert we see lots of customers with questions who are looking for answers regarding  balance transfers of £4000.

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

The reason that a customer needs a credit limit larger than £4000 is that 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.

As an example, to make a £4000 balance transfer:-

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

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

£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 generally tended to issue credit cards with lower initial credit limits.

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

Card Offers

Balance Transfers:
0% interest for 40 Months
Balance Transfer Fee:
2.69%
Purchases:
0% interest for 3 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Tesco Clubcard Credit Card for Balance Transfers*
  • 0% interest for up to 40 Months on balance transfers from account opening
  • 2.69% balance transfer fee
  • 0% interest for 3 Months on purchases from account opening
  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • The 0% offer is applied to any balances or money transferred within the first 90 days of opening your account
  • Apply online and get a decision within 60 seconds
  • Annual Fee: None
More Information

Application Criteria

Tesco Clubcard Credit Card for Balance Transfers*
  • 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 more than 1 Tesco Bank Credit Card
  • You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
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)
The APR, length of promotional offer, and credit limit may vary as they are dependent on your personal circumstances

Card Offers

Balance Transfers:
0% for up to 42 Months*
Balance Transfer Fee:
2.35%
Purchases:
0% for 6 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Lloyds Platinum 42 Month*
  • 0% for up to 42 months from account opening on balance transfers
  • 2.35% balance transfer fee (after 0.65% refund) in first 90 days, 3% fee applies after 90 days
  • 0% for 6 months from account opening on purchases
  • Lloyds Clicksafe and Internet fraud protection
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

Lloyds Platinum 42 Month*
  • You are a UK resident
  • You have a regular income
  • You are free from any county court judgements
  • You are aged 18 or over
More Information
2.35% balance transfer fee (after refund) in first 90 days, 3% fee applies 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)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

Balance Transfers:
0% for up to 43 Months
Balance Transfer Fee:
3.28%
Purchases:
0% for 6 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Halifax Balance Transfer*
  • 0% for up to 43 months from account opening on balance transfers made in first 90 days
  • 3.28% balance transfer fee in first 90 days (after 0.22% refund), 3% fee applies after 90 days
  • 0% for 6 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Halifax Balance Transfer*
  • 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
More Information
3.28% balance transfer fee in first 90 days after refund, 3% fee applies after 90 days
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)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

Balance Transfers:
0% interest for 24 Months
Balance Transfer Fee:
0%
Purchases:
0% interest for 1 Month
Representative APR:
18.9% APR (variable)
More Information

Card Details

Tesco Clubcard Credit Card with No Balance Transfer Fee*
  • 0% interest for 24 Months on balance transfers made within the first 90 days of opening your account
  • No balance transfer fee
  • 0% interest for 1 Month on purchases from account opening
  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • Apply online and get a decision within 60 seconds
  • Online Account Management
  • Annual Fee: None
More Information

Application Criteria

Tesco Clubcard Credit Card with No Balance Transfer Fee*
  • 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 more than 1 Tesco Bank Credit Card
  • You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
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)

Card Offers

Balance Transfers:
0% for up to 32 Months
Balance Transfer Fee:
0.8%
Purchases:
0% for 12 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Bank of Scotland 32 Month Balance Transfer*
  • 0% for up to 32 months from account opening on balance transfers made within first 90 days
  • 0.8% fee applies on balance transfers made in first 90 days, 3% fee applies after first 90 days
  • 0% for 12 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Bank of Scotland 32 Month Balance Transfer*
  • 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
More Information
£20 cashback on your first balance transfer made within first 90 days of account opening
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)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

Balance Transfers:
0% interest for 41 Months
Balance Transfer Fee:
3.45%
Purchases:
N/A
Representative APR:
18.9% APR (variable)
More Information

Card Details

MBNA Platinum Credit Card*
  • 0% interest for up to 41 months on balance transfers (20.9% APR thereafter)
  • 3.45% balance transfer fee for the first 60 days and 5% fee thereafter
  • No purchases offer with this card
  • 0% interest for up to 20 months on money transfers (22.9% APR thereafter)
  • 4% money transfer fee for the first 60 days and 5% fee thereafter
  • You cannot transfer a balance from another MBNA card
  • Annual Fee: None
More Information

Application Criteria

MBNA Platinum Credit Card*
  • Eligibility for this credit card depends on your circumstances and the results of MBNA's eligibility check
  • The product, APR and promotional offer you could get may differ from the example
  • You must be aged 18 or over
  • You must hold a UK bank account
  • You must have been a permanent UK resident for at least 3 years
  • You must have a good credit rating and credit is subject to status
More Information
Find out if you are eligible before applying for this card
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)
The product, APR and promotional offer you could get may differ from the example

Card Offers

Balance Transfers:
0% for up to 41 Months
Balance Transfer Fee:
3.25%
Purchases:
0% for 3 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Post Office Money Balance Transfer*
  • 0% for up to 41 months on balance transfers made within 3 months of account opening
  • 3.25% balance transfer fee applies
  • 0% on all purchases for the first three months
  • No cash fee to buy travel money at the Post Office
  • Manage your account 24/7 with Post Office Money mobile app
  • Annual Fee: None
More Information

Application Criteria

Post Office Money Balance Transfer*
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
  • You have no county court judgements
  • You must not already hold a Post Office Money Credit Card
More Information
A 3.25% fee applies and balance transfers must be made within 3 months of account opening
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)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

Card Offers

Balance Transfers:
0% for up to 26 Months
Balance Transfer Fee:
0%
Purchases:
0% for 6 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Halifax 26 Month Balance Transfer*
  • 0% for up to 26 months from account opening on balance transfers within first 90 days
  • 0% balance transfer fee in first 90 days, 3% fee applies after 90 days
  • 0% for 6 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Halifax 26 Month Balance Transfer*
  • 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
More Information
0% 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 18.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

A £4000 balance transfer is most likely to be available to those credit card customers who have 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 larger balance transfer amounts such as a £4000 balance transfer credit card.


Related Content From Balance Transfer Expert:-

Today Balance Transfer Expert has:-

115 UK 0% balance transfer credit cards offering:-

  • 0% balance transfers for up to 43 months with a 3.28% fee
  • 0% balance transfers for up to 32 months with a 0.8% fee
  • 0% balance transfers for up to 26 months with no fee