This study is performed to investigate the heat transfer characteristics of heat exchanger according to the arrangement of fins as well as fin configuration by using the four times enlarged model. Friction factor, Colburn j factor and goodness factors are compared to each other to estimate performance of each case for 4 different kinds of fins, which are plain, single side slit, double side slit and louver fin. Results show that heat transfer would be altered by fin arrangement and that friction loss is more affected by fin configurations than by the fin arrangements. In particular, heat transfer depends more on the shape of front row than that of rear row. The heat transfer rate of combined fin arrangement increases a lot more under the same pressure drop than that of conventional fin arrangement. This indicates that the heat exchanger of higher efficiency would be designed by the proper combination of fins, of different shapes.