Twisto is a Czech fintech offering BNPL, a smart payment app, and Visa card for CEE markets, acquired by Australian Zip Co in 2021.
Twisto holds steady at 3.6/5 across platforms (5,527 ratings), with sentiment index at 36.9/100 (+0.1). Recent headlines centre on Param's acquisition - framed positively as European expansion and a milestone for Turkish fintech - yet the negligible sentiment index movement and flat customer ratings suggest the deal has not yet shifted underlying user perception materially upward.
Sentiment index
our score · updated every monthRatings across platforms
★ 3.6 · 5.5K · 3Where Twisto operates
3 marketsRating distribution
All platformsRating & review volume over time
Brand sentiment trend
positive sentiment, by platformApp screenshots
App StoreIn the media
brand coverageTurkish fintech Param acquires BNPL firm Twisto to boost European expansion
www.fintechfutures.com · 18mo ago
Turkish fintech Param acquires BNPL firm Twisto to boost European expansion. Param plans to leverage Twisto's licences to offer its embedded financial solutions...
VC market in Czech Republic is "getting more professional", says fintech boss
tech.eu · 24mo ago
The venture capital market in the Czech Republic is becoming more professional, according to the founder of a Czech fintech which has just...
Param acquires Twisto: A new era for Turkish fintech in Europe
tech.eu · 37mo ago
Param acquires Twisto: A new era for Turkish fintech in Europe ... Turkish fintech Param, Turkey's has acquired Czech buy now pay later provider...
Biggest Turkey’s Fintech Param Acquires Czech Twisto
www.financemagnates.com · 37mo ago
Turkish Fintech Param Acquires Czech Twisto in European Expansion · The acquisition marks Param's first significant step in the European market.
Param Acquires Twisto: Fintech Expansion Across Europe
fintechmagazine.com · 37mo ago
Twisto is a pioneer of the Czech BNPL scene, becoming one of the first companies to offer deferred payments when it launched before adding a '...
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mentions on X, Reddit & FacebookAbout Twisto
Twisto was founded in 2013 in Prague and offers BNPL through a Visa card accepted anywhere — not just partner merchants. Users can consolidate purchases and pay at month-end or in instalments. Zip Co (ASX: ZIP) acquired Twisto in 2021, bringing BNPL expertise from Australia to Central and Eastern Europe.
Frequently asked questions
How is Twisto different from other BNPL?
Unlike most BNPL services that work only at partner merchants, Twisto provides a Visa card that works everywhere Visa is accepted. You can shop anywhere and decide how to pay later.
What are Twisto's payment options?
Twisto lets you pay in full at month-end, split into instalments over 3–24 months, or defer payment. Paying in full at month-end from the Twisto account is typically free.
Is Twisto available in Poland?
Yes. Twisto launched in Poland in 2018 and is one of the leading BNPL providers in the Polish market alongside PayPo.
Who owns Twisto?
Twisto was acquired by Zip Co, an Australian BNPL company listed on the ASX, in 2021. It continues to operate under the Twisto brand.
Compare Twisto with similar neobanks
Ratings & sentiment aggregated from Trustpilot, Google Play and App Store - anonymised store metrics only, no individual reviews.
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