Balance Transfer £8000

When you are looking to balance transfer £8000, what are the best UK 0% balance transfer credit cards for this amount of transfer?

We see many UK credit card customers looking for help on the best 0% balance transfer credit cards to use to make larger balance transfers.

Balance Transfer £8000

Before the banking crisis began, it was more common for 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 credit card companies have tended to offer lower initial credit card limits, when a customer is first accepted for a new credit card.

Credit card limits can often be raised for customers at a later date. This is often when a customer has proven he can use the card responsibly and make the monthly payments on time.

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

Balance Transfer £8000

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

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 0% balance transfer credit card. This will then allow you to transfer the full amount as two separate balance transfers.

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


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Card Offers

Balance Transfers:
0% for up to 29 Months
Balance Transfer Fee:
2.74%
Purchases:
0% for 3 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Sainsbury’s Balance Transfer
  • 0% interest on balance transfers for up to 29 months
  • 3% initial balance transfer fee (minimum £3) reduced to 2.74% by refund in first 3 months
  • 0% interest on purchases for your first 3 months
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Sainsbury’s Balance Transfer
  • You have a permanent UK address
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

Card Offers

Balance Transfers:
0% for 28 Months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

NatWest Longer Balance Transfer
  • 0% on balance transfers for 28 months from account opening
  • 2.75% balance transfer fee
  • 0% on purchases for first 3 months from account opening
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: None
More Information

Application Criteria

NatWest Longer Balance Transfer
  • You are a NatWest customer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with NatWest
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 26 Month
Balance Transfer Fee:
0%
Purchases:
0% for 26 Months
Representative APR:
21.7% APR (variable)
More Information

Card Details

Santander All in One
  • 0% interest on balance transfers for 26 month from date account opened
  • 0% balance transfer fee
  • 0% interest on purchases for 26 month from date account opened
  • 0.5% cashback on all of your purchases
  • No foreign transaction fee on purchases made abroad in local currency
  • Cashback through Retailer Offers
  • Monthly Fee: £3
More Information

Application Criteria

Santander All in One
  • 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
More Information
Monthly fee of £3 payable
Representative Example: 21.7% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable) with a monthly fee of £3 payable

Card Offers

Balance Transfers:
0% for up to 20 Months
Balance Transfer Fee:
2.95%
Purchases:
0% for up to 20 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

TSB Platinum Purchase
  • 0% interest for up to the first 20 months on balances transferred within first 90 days
  • 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest on purchases for up to the first 20 months
  • Internet fraud protection and Clicksafe
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

TSB Platinum Purchase
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

£8000 Credit Card Limit

A customer looking to balance transfer £8000 or more in one go, 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 size of 90%, or 95%, of a customers credit limit.

To balance transfer £8000 in one go, 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 a 95% balance transfer limit

A £8000 credit card limit will only allow a balance transfer of at most £7600.


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