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Balance Transfer £8000

Are you looking to balance transfer £8000 from your existing credit card, or cards? Does a £8000 credit card limit allow this size of transfer?

We see many UK credit card customers looking for help on finding the right 0% balance transfer credit cards, to use to make large balance transfers.

Balance Transfer £8000

Before the banking crisis, back in 2008, it was quite common for UK credit card customers to be routinely offered larger credit card limits. These larger limits would allow a customer to balance transfer £8000, or more.

Over recent years however, the UK credit card companies have tended to offer lower initial credit card limits. These limits apply when a customer is first accepted for a new credit card.

Many more customers will now get a £4000 credit card limit, than a £6000 credit card limit, for example.

Credit card limits can often be raised for customers at a later date. This is often when the customer has proven they can use the card responsibly. Customers can do this by staying within their given credit limit, and making the monthly payments on time.

However, this rise in the credit card limit can often be after the card’s 0% introductory balance transfer offer period has expired.

£8000 Credit Card Limit

It is still possible that some credit card customers will be allocated a credit card limit big enough to allow them to balance transfer £8000, in one transaction. However, a credit card limit of £8000, or more, is a much less frequent occurrence now.

If you are looking to balance transfer £8000 or more, then it is now much more likely that you will need to apply for more than one new credit card. Getting two new 0% balance transfer cards maybe the only way, to allow you to make this size of balance transfer.

If you have two 0% transfer cards, that combined, have a greater than £8000 credit card limit, then this can then allow you to transfer the full amount, as two separate transfers.

All of the following featured UK cards do tend to be more generous with their initial credit limits. As a result, they are more likely to be suitable when looking to balance transfer £8000, or more.


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Card Offers

Balance Transfers:
0% for 31 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Transfer Plus*
  • 0% for 31 months on balance transfers made within 90 days of account opening
  • 1.99% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 31 months
Balance Transfer Fee:
2.7%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer*
  • 0% interest for 31 months on balance transfers made within first 60 days of account opening
  • 2.7% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
£25 cash back when you successfully apply. Spend or balance transfer over £100 within 60 days of opening account. New customers only. Offer ends 13th Feb 2022.
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
0%
Purchases:
N/A
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer No Fee*
  • 0% interest for 20 months on balance transfers made within first 60 days of account opening
  • No balance transfer fee applies
  • No purchases offer with this card
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Contactless payments to quickly and securely pay for purchases under £100
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer No Fee*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You have not held a credit card with HSBC Bank in the last 6 months
No Balance Transfer Fee
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 23 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 23 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Shopping Plus*
  • 0% for 23 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 23 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Shopping Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)

Card Details

Co-operative Bank Balance Transfer
  • 0% interest for 24 months for balance transfers made within 60 days
  • 3% balance transfer fee, minimum £5
  • 0% interest on purchases for 4 months from account opening
  • All successful applicants will receive this exact rate and offer
  • Online account management
  • Annual Fee: None

Application Criteria

Co-operative Bank Balance Transfer
  • Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
  • You are a UK resident
  • You have annual income of £10,000 or more
  • You are aged 18 or over
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)
No balance transfers allowed to this card from Co-operative credit cards

Credit Card £8000 Limit

Are you a customer looking to balance transfer £8000 or more in one go? Then you will actually need to be given a larger credit limit. A £8000 credit card limit is not large enough to make a £8000 balance transfer.

The reason for this that all of the credit card companies allow a maximum balance transfer amount. This amount is set as 90%, or more often 95%, of a customers overall credit limit.

This means that to balance transfer £8000 in one transfer, a customer will need:-

  • A credit limit of £8890 or more for those cards with a 90% balance transfer limit
  • or £8422 or more for those cards with the more common a95% balance transfer limit

A £8000 credit card limit will only allow a transfer of at most £7600. This is assuming the card has a 95% transfer limit.


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Published: January 12, 2022, Updated: January 12, 2022 by Balance Transfer Expert

All 0% balance transfer credit card offers on this website are updated daily