An image forming apparatus comprising: an image forming section configured to perform a first image forming operation and a second image forming operation, the first image forming operation forming a first developer image (TT1, WT), the second image forming operation sequentially forming a second developer image (YT, MT, CT) and a third developer image after the first image forming operation has been performed, the first developer image (TT1, WT) being a first transparent image or a white image, the second developer image (YT, MT, CT) being a colored image, the third developer image being a second transparent image; and a transfer section configured to perform a first transfer operation and a second transfer operation, the first transfer operation transferring the first developer image (TT1, WT) onto a medium before the image forming section performs the second image forming operation, the second transfer operation transferring the second developer image (YT, MT, CT) and the third developer image onto the first developer image having been transferred onto the medium to allow the second developer image (YT, MT, CT) and the third developer image to be stacked in this order on the first developer image (TT1, WT) having been transferred onto the medium, wherein the transfer section includes a primary transfer section (46, 31) configured to perform a first primary transfer and second primary transfer, the first primary transfer transferring the first developer image (TT1, WT) onto an intermediate transfer member, the second primary transfer transferring a third developer image and the second developer image (YT, MT, CT) onto the intermediate transfer member, and a secondary transfer section (44, 45) configured to perform a first secondary transfer at a first secondary transfer voltage and a second secondary transfer at a second secondary transfer voltage, the first secondary transfer transferring, onto the medium, the first developer image (TT1, WT) that has been transferred onto the intermediate transfer member, the second secondary transfer transferring, onto the first developer image (TT1, WT), that has been transferred onto the medium, the second developer image (YT, MT, CT) and the third developer image that have been transferred onto the intermediate transfer member, wherein an absolute value of the first secondary transfer voltage is higher than an absolute value of the second secondary transfer voltage. an image forming section configured to perform a first image forming operation and a second image forming operation, the first image forming operation forming a first developer image (TT1, WT), the second image forming operation sequentially forming a second developer image (YT, MT, CT) and a third developer image after the first image forming operation has been performed, the first developer image (TT1, WT) being a first transparent image or a white image, the second developer image (YT, MT, CT) being a colored image, the third developer image being a second transparent image; and a transfer section configured to perform a first transfer operation and a second transfer operation, the first transfer operation transferring the first developer image (TT1, WT) onto a medium before the image forming section performs the second image forming operation, the second transfer operation transferring the second developer image (YT, MT, CT) and the third developer image onto the first developer image having been transferred onto the medium to allow the second developer image (YT, MT, CT) and the third developer image to be stacked in this order on the first developer image (TT1, WT) having been transferred onto the medium, wherein the transfer section includes a primary transfer section (46, 31) configured to perform a first primary transfer and second primary transfer, the first primary transfer transferring the first developer image (TT1, WT) onto an intermediate transfer member, the second primary transfer transferring a third developer image and the second developer image (YT, MT, CT) onto the intermediate transfer member, and a secondary transfer section (44, 45) configured to perform a first secondary transfer at a first secondary transfer voltage and a second secondary transfer at a second secondary transfer voltage, the first secondary transfer transferring, onto the medium, the first developer image (TT1, WT) that has been transferred onto the intermediate transfer member, the second secondary transfer transferring, onto the first developer image (TT1, WT), that has been transferred onto the medium, the second developer image (YT, MT, CT) and the third developer image that have been transferred onto the intermediate transfer member, wherein an absolute value of the first secondary transfer voltage is higher than an absolute value of the second secondary transfer voltage.