£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 2016?

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

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

Tesco Clubcard Credit Card for Balance Transfers*
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 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 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 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
If you meet these criteria, then please click here for More Information

This is a limited offer, apply before 07:00 7th July 2016
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

Halifax Balance Transfer*
Balance Transfers:
0% for up to 40 Months
Balance Transfer Fee:
2.49%
Purchases:
0% for 6 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Halifax Balance Transfer*
  • 0% for up to 40 months from account opening on balance transfers made in first 90 days
  • 2.49% balance transfer fee (after refund) 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 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

This is a limited offer, available until 21st July 2016
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

Lloyds Platinum 32 Month*
Balance Transfers:
0% for up to 32 Months*
Balance Transfer Fee:
1.13%
Purchases:
0% for 12 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Lloyds Platinum 32 Month*
  • 0% interest for up to 32 months on balances transferred within the first 90 days
  • 1.13% balance transfer fee in first 90 days, 3% fee after 90 days
  • 0% on purchases for 12 months from account opening
  • Lloyds Clicksafe and Internet fraud protection
  • Online card servicing
  • Annual Fee: None
  • More Information

Application Details

Lloyds Platinum 32 Month*
Has the following application criteria:-
  • You are a UK resident
  • You have a regular income
  • You have a good credit history free from any county court judgements
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

1.13% 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)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

Post Office Money Balance Transfer*
Balance Transfers:
0% for 37 Months
Balance Transfer Fee:
2.49%
Purchases:
0% for 3 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Post Office Money Balance Transfer*
  • 0% on balance transfers for 37 months
  • Initial 2.98% balance transfer fee applies, reduced to 2.49% after refund
  • 0% on all purchases for the first three months
  • No cash fee to buy travel money at the Post Office
  • Online account management
  • Annual Fee: None
  • More Information

Application Details

Post Office Money Balance Transfer*
Has the following application criteria:-
  • 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
If you meet these criteria, then please click here for More Information

Initial 2.98% balance transfer fee applies, reduced to 2.49% after refund
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

Bank of Scotland Platinum Balance Transfer*
Balance Transfers:
0% for up to 39 Months
Balance Transfer Fee:
2.95%
Purchases:
0% for 6 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Bank of Scotland Platinum Balance Transfer*
  • 0% for up to 39 months from account opening on balance transfers made within first 90 days
  • 2.95% balance transfer fee (after refund) 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 Details

Bank of Scotland Platinum Balance Transfer*
Has the following application criteria:-
  • You are a UK resident
  • You have a regular income
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

2.95% 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 18.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

Tesco Clubcard Credit Card with No Balance Transfer Fee*
Balance Transfers:
0% interest for 21 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 21 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 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 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
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)

Card Offers

Halifax 32 Month Balance Transfer*
Balance Transfers:
0% for up to 32 Months
Balance Transfer Fee:
1.13%
Purchases:
0% for 12 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Halifax 32 Month Balance Transfer*
  • 0% for up to 32 months from account opening on balance transfers
  • 3% balance transfer fee applies with refund of 1.87% within 90 days, effective fee 1.13%
  • 0% for 12 months from account opening on purchases
  • Manage your card online using online banking and mobile banking
  • Online account management
  • Annual Fee: None
  • More Information

Application Details

Halifax 32 Month 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

1.13% balance transfer fee applies 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 18.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

AA Balance Transfer*
Balance Transfers:
0% for 24 Months
Balance Transfer Fee:
0%
Purchases:
0% for 3 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

AA Balance Transfer*
  • 0% for 24 months on balance transfers over £500 otherwise promotional period reduced to 22 months
  • No balance transfer fee
  • 0% for 3 months on purchases from account opening
  • Contactless payments
  • Mobile servicing app
  • Annual Fee: None
  • More Information

Application Details

AA Balance Transfer*
Has the following application criteria:-
  • You are a UK resident
  • You have a current bank or building society account
  • You do not have any outstanding County Court Judgements
  • You have an annual income of over £8,000
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

No balance transfer fee
Representative Example: 19.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)
AA Credit Cards are provided by Bank of Ireland UK. AA Finances Services Limited is a credit broker and not a lender

A £4000 balance transfer is most likely to be available to 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 a £4000 balance transfer credit card.

Today Balance Transfer Expert has:-

  • 0% balance transfers for up to 40 months with a 2.49% fee
  • 0% balance transfers for up to 32 months with a 1.13% fee
  • 0% balance transfers for up to 23 months with no fee

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