Twisto review

The annual fee on Twisto is CZK 0, the same as the median annual fee of €0 across the brands here. The account model is a no annual fee model, no annual fee, so there is nothing to pay for keeping the card open.

Rewards are cashback through cashback, so the money comes back to you rather than building up points. Cashback is the most common reward type on the site at 49.5%, ahead of points at 19.8% and cards with no rewards at 28.7%.

Help runs on phone and help centre only, so a phone call or a look in the help centre is the route if a payment does not go through. The physical Twisto card can be ordered separately, while the virtual one sits in your phone for everyday payments with Apple Pay or Google Pay.

Twisto offers a virtual card for your phone and a physical card you can order, plus a card tied to a purchase you are paying over monthly instalments. Mobile payments work with Apple Pay and Google Pay, and the annual fee stays at CZK 0 whichever you pick.

Twisto Splatky splits a purchase into monthly instalments, and the account also carries a monthly limit with a maturity period and no fee, plus the option to push your due date back. Invoices and receipts can be paid from a photo, and the annual fee of CZK 0 covers the account.

Twisto is regulated by the Czech National Bank, the regulator named for this account in the Czech Republic. The card comes from Twisto payments a.s., and the annual fee it charges is CZK 0. Rewards on the account come back as cashback through cashback.

Among the brands here, the Twisto annual fee of CZK 0 is the same as the site median of €0, and secured alternatives such as Varo and Chime sit at $0 and $0. Cashback is the reward type used by 100% of that comparison.