Transformer losses are produced by the current passing through resistance on the winding conductors. These losses are converted to heat energy as all electrical machines. Transformer life depends on the aging of cellulose-based insulation material in winding. Winding temperature must be kept below a certain temperature limit, because the excess heat in the windings directly accelerates the aging of insulation material. Oil-immersed transformers are cooled by using transformer oil. In this study, flow and heat transfer of transformer radiator filled with mineral oil, silicone oil and ester oil were investigated. Oil in radiator was modelled in 3D, thereby oil flow volume was created, heat transfer calculations were made with using different type transformer oils and investigation of flow behavior is studied. Temperature dependent density, thermal conductivity and viscosity values are obtained from oil suppliers. Transformer oil database was composed by using curve fitting methods in MathCAD Software to use in CFD (Computational Fluid Dynamics) analysis in Fluent software. Finally, the pressure differences were obtained for each oil type. According to the velocity versus pressure difference graph that was obtained from the results of this study, inertial resistance and viscous resistance could be described which are required in future studies to use porous medium approach. Number of elements and computation domain will be decreased by using porous medium approach, then complete transformer model could be analyzed. Additionally, thermal characteristics of transformer oils were obtained and compared in this study. Accordingly, natural ester oil had the best heat transfer and pressure drop.