£4000 Balance Transfer

£4000 Balance TransferWhen you are looking to make a £4000 balance transfer which 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 needs to be approved for a new credit card with a credit limit in excess of £4,000.

With most balance transfer credit cards a balance transfer can be made for, at most, 90 or 95% of the 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, on 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 tend to be more generous with their credit limits so are more likely to be suitable for a £4000 balance transfer.

BarclaycardBarclaycard Platinum Visa

  • 0% interest on balance transfers for 33 months from account opening
  • Fee of 3.5% will be applied, then reduced to 2.79% by a refund (terms apply)
  • 0% for 6 months on purchases
  • Representative 18.9% APR variable
  • Representative Example: Representative 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable). Subject to application and status. The terms of your product may differ from the example
  • More Information >>

HalifaxHalifax 30 Months Balance Transfer

  • 0% for up to 32 months on balance transfers*
  • 3% balance transfer fee, reduced to 2.7% via refund
  • 0% for the first 6 months on purchases
  • Representative 18.9% APR (variable)
  • Representative Example: 18.9% APR representative (variable). Based on an example 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
  • More Information >>

TescoTesco Balance Transfer credit card

  • 0% for 32 months on balance transfers from account opening
  • 2.9% balance transfer fee
  • 0% for 3 months on purchases from account opening
  • Representative 18.9% APR variable
  • 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)
  • More Information >>

NationwideNationwide Balance Transfer credit card

  • 0% on balance transfers for 26 months
  • 2.4% balance transfer fee, minimum £5
  • 0% for 3 months on purchases
  • Representative 17.9% APR variable
  • Representative Example: 17.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable)
  • More Information >>

LloydsLloyds Platinum Balance Transfer

  • 0% for up to 24 months on balances transferred in the first 90 days
  • 1.5% balance transfer fee in first 90 days, 3% fee applies after 90 days
  • 0% on purchases for the first 3 months
  • Representative 17.9% APR (variable)
  • Representative Example: 17.9% APR Representative (variable), based on credit limit of £1,200, purchase rate 17.95% p.a. (variable). Credit limits and interest rates will vary based on your individual circumstances
  • More Information >>

Bank of ScotlandBank of Scotland Platinum credit card

  • 0% for 24 months on balance transfers
  • 1.5% balance transfer fee in first 90 days, 3% fee applies after 90 days
  • 0% for 3 months on purchases
  • Representative 17.9% APR variable
  • Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).* APR and Promotional periods may vary depending on your personal circumstances
  • More Information >>

Post OfficePost Office credit card

  • 0% on balance transfers for first 18 months
  • 0.7% balance transfer fee
  • 0% on purchases for first 3 months
  • No fees on purchases overseas
  • Representative 17.8% APR variable
  • Representative Example: 17.8% p.a. variable on card purchases. This is equivalent to 17.8% APR representative (variable) based on a credit limit of £1,200
  • More Information >>

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.

Balance Transfer Expert has:-
  • 119 UK 0% balance transfer credit cards available today
  • Offering 0% on balance transfers for up to 33 months
  • With special offer balance transfer fee refunds of up to 1.5%

Find A Balance Transfer Credit Card >>

Balance Transfer Credit Cards

Other Related Content From Balance Transfer Expert