Neobanks

Neobank · 🇨🇿 Czechia

Twisto

Prague, Czech Republic · twisto.eu

36.9Sentiment /100 0.1

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 every month · Aug 19, 2026

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 month
36.9/100 +0.13 vs previous reading
025507510036.925 Jul1 Aug15 Aug

Ratings across platforms

3.6 · 5.5K · 3
Trustpilot
1.7
164 ratings · 29% positive
Google Play
3.7
5.0K ratings · 67% positive
500K+ installs
App Store
4.2
379 ratings · 78% positive
Measured August 17, 2026

Where Twisto operates

3 markets
Czechia Poland Romania

Rating distribution

All platforms
5
54% · 3.0K
4
12% · 669
3
4% · 228
2
4% · 234
1
25% · 1.4K

Rating & review volume over time

Trustpilot · 1.7★Google Play · 3.7★App Store · 4.2★Review volume · 5.5K · +0.20%
123455.5KJul '26Aug '26Aug '26

Brand sentiment trend

positive sentiment, by platform
Trustpilot · 29%Google Play · 67%App Store · 78%
80%53%26%Jul '26Aug '26Aug '26

App screenshots

App Store
Twisto app screenshot 1Twisto app screenshot 2Twisto app screenshot 3Twisto app screenshot 4Twisto app screenshot 5Twisto app screenshot 6

In the media

brand coverage
www.fintechfutures.com

Turkish 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...

tech.eu

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...

tech.eu

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...

www.financemagnates.com

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.

fintechmagazine.com

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 '...

Latest from social

LinkedIn & Facebook

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.

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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