Neobanks

Twisto is a Czech fintech offering BNPL, a smart payment app, and Visa card for CEE markets, acquired by Australian Zip Co in 2021.

✦ Sentiment OverviewUpdated weekly · Jul 17, 2026

Twisto maintains solid sentiment (69/100) despite a slight weekly dip, buoyed by the Param acquisition announcement and Apple Pay integration, which signal expansion momentum and feature parity with competitors. However, the sentiment decline suggests market caution around execution risk or integration concerns, even as headlines celebrate strategic moves. Customer and media sentiment appear aligned—both positive—though the momentum may be plateauing.

Sentiment index

our score · updated weekly
72.0/100
+3.14 vs last week
Reviews · 44,000 ratings72
News
Mentions

Where Twisto operates

3 markets
Czechia Poland Romania

In the media

brand coverage
fintechmagazine.com

Param Acquires Twisto: Fintech Expansion Across Europe

fintechmagazine.com · 36mo ago

Param eyes expansion after buying Czech BNPL fintech Twisto ... Param's Emin Can Yılmaz says the deal for Twisto is 'a meeting of minds'.

thefintechtimes.com

BNPL Fintech Param Sets Sights on European Expansion After Twisto Acquisition

thefintechtimes.com · 36mo ago

Param, the Turkey-based fintech, is entering the European market following the acquisition of Buy Now, Pay Later (BNPL) provider Twisto.

www.trendingtopics.eu

The Czech Buy-Now-Pay-Later Fintech Startup Twisto with €16m Investment in Series B

www.trendingtopics.eu · 67mo ago

On the 14th January, the BNPL Czech fintech startup Twisto received €16m investment in a round led by the Australian fintech company Zip Co and...

jablickar.cz

Twisto launches Apple Pay. Pay iPhoneme Apple Watch even those whose bank does not offer the service can

jablickar.cz · 90mo ago

Press release: With Twist, the Czech payment app, customers can pay with mobile phones and watches from Applu. Twisto is the first and only...

Latest from social

LinkedIn & Facebook

What people are saying

Sample
Elena FischerFacebook· 1d ago

Twisto raising rates again? Curious how this compares to the competition right now.

Léa Dubois@laduboisX· 3d ago

Twisto's customer service left me hanging on a frozen account. Not a great look.

Elena Fischer@elenafischerX· 1w ago

Anyone else having issues with Twisto verification today? Been stuck for hours 😤

Chris Whitfield@chriswhitfieX· 1w ago

Anyone else having issues with Twisto verification today? Been stuck for hours 😤

Nora Lindqvist@noralindqvisX· 1w ago

Anyone else having issues with Twisto verification today? Been stuck for hours 😤

Company

Founded2013
HeadquartersPrague, Czech Republic
Statusacquired
OwnershipSubsidiary (Zip Co)
Available in3 markets

About 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.

Ratings & sentiment aggregated from Trustpilot, Google Play and App Store — anonymised store metrics only, no individual reviews.