Temenos T24 Transact – Core Banking Software

The world’s best-selling, most functionaly rich core banking product used by over 700 banks in all sectors and geographies.

Product Overview

Temenos T24 Transact is a core banking system providing product definition, transaction processing, unparalleled operational scalability and functional depth for all retail banks, corporate banks and private bank and wealth managers.

Product Factory & Catalog

Build, design and rapidly bring to market new products using a centralized product design tool, allowing you to gain valuable time and market share when new opportunities arise. Embedded analytics help product managers plan and deploy new products which are attractive to customers and profitable for the bank.


Temenos T24 Transact is a customer-centric system built around a single customer view that covers all product lines and channels, enhancing the ability of the bank to understand its customers’ needs and serve them. Embedded analytics provide customer insight and predictive sales and service assistance.

Accounts & Deposits

The system supports accounts and deposits varying from simple offerings to more sophisticated corporate DDAs with more complex features.

Open API’s

Temenos provides over 700 published open APIs covering all areas of the banking business. These are freely accessible from the financial and technology ecosystem to enable innovation and extend Temenos systems functionality.

Enterprise Credit

Enterprise credit facilities can be set up and monitored which cover a bank’s entire exposure to a corporate, including positions held in other systems.

Measurable Success

23 years

Longest, continuous, upgradeable use of software is 23 years so far


Largest client has 24 million accounts


41 of the top 50 banks run Temenos


#1 best selling core banking system for 14 years – IBS Intelligence Sales League Table 2019

ABN AMRO Success Story - Amsterdam Netherlands

“Without the Temenos platform, we could not have done business.”

Changez Jan, Head of Operations, Singapore – ABN-AMRO 
read success story

Why Temenos T24 Transact?

Why Temenos Transact - Girl holding world

The World’s Favorite Core Banking Package

For 25 years, Temenos has been supporting banks across all sectors with our best-selling core banking system. Banks and financial institutions of all sizes use the same software to provide outstanding products and services to their customers.

Why Temenos Transact - Man holding futuristic phone

The Next Generation in Core Banking

Temenos T24 Transact takes the deep and extensive banking capabilities of T24 Core Banking and re-platforms them onto a new, cloud-native, cloud-agnostic technology. This allows banks to take advantage of the agile scalability, security and lower operational costs that the cloud provides while continuing to be able to upgrade to the latest release of the software.

Why Temenos Transact - Man working on multiple screens

The Broadest & Deepest Functionality in the Market

Temenos consistently invests over 20% of its revenue back into R&D, resulting in a banking system of unparalleled functional depth and breadth. The inherently upgradeable nature of the software means that all customers benefit from this ongoing investment, as we plan to invest a further $1.1B from 2019-2024.

Woman looking at analytics

Embedded Analytics

Temenos Embedded Analytics provide contextually-relevant, real-time help when serving customers and designing new products. They are used to examine previous behavior and provide predictive insights to guide decision-making, recommendations, and design assistance.

Customer Success Stories

Azur – Success Story

Technology-led company Azur is transforming the insurance industry by creating an augmented underwriting solution that enables real-time pricing and risk management. By integrating the Explainable AI (XAI) platform with its…

British Business Bank – Success Story

British Business Bank (BBB) provides much-needed finance to small and medium-sized enterprises through its subsidiary The Start Up Loans Company. Having previously relied on a network of partners to check…

Johnson Bank – Success Story

Johnson Bank’s collection platforms and service of record did not communicate with each other. Because the out-of-the-box solution the bank was using could not be customized, Johnson’s team had to…

O Bank Success Story - New Taipei City, Taiwan Coastline

“We are a digital-native bank and Temenos has enabled us to redefine banking – use internet as our branches. That’s why we choose T24, the top digital core banking platform supporting us to offer the best innovative customer experience.”

Tom Lin, Executive Vice President – O-Bank
read success story

You’re in Good Company

Temenos Platform

Cloud-Native, Cloud-Agnostic

Lower costs with the elastic scalability, security, and control you need to shape your business.

APIs & Extensibility

Innovate faster with access to over 700 open APIs in the largest FinTech ecosystem.

Microservices & Containers

Microservice architectures enable continuous application upgrades and cloud scalability.

Distributed Database

Achieve true horizontal scalability in the database layer and operate on an active-active basis across multi-cloud.

Temenos Continuous Deployment – DevOps

Reduce cost and shorten software release cycles – code in the morning, deploy in the afternoon.

Security & Immutable Logging

Protect your bank from modern digital threats with the highest levels of security.

AI & Machine Learning

Explainable AI enables transparency into automated decisions and provides intelligent banking by growing revenues, cutting costs and enhancing the customer experience.


Treasury Brochure

25 years of investment in T24 Transact Treasury provides Temenos clients with a fully integrated Treasury solution to make them more efficient, innovative, scalable and engaged with their customers.


Temenos T24 Transact Brochure

Temenos T24 Transact is the market-leading core banking solution which incorporates the broadest and deepest set of functionality available.


Banco Azul – Video Testimonial

“Salvadorian Bank for Salvadorians” Oscar Armando Rodriguez, Executive Director, Banco Azul This video tells us the story, by Banco Azul´s Executive Director Oscar Armando Rodriguez and it’s Technology Director Héctor…

Latest News

Press Releases

Laskaris Finance Selects Temenos

Laskaris Finance chooses cloud-native, cloud-agnostic Temenos T24 Transact to launch an innovative bank servicing high-net-worth individuals and corporate clients.


Upcoming Events

Partner Event

Bank of the Future Forum 2019

In partnership with NDCTECH this forum highlights the importance of “Digital Transformation” and the latest financial technology trends in the region and provides an great opportunity to connect with senior representatives from leading banks.
Industry Event

Curious Thinkers Conference 2019

We are pleased to be Coffee Cart sponsors at the Cuscal Curious Thinkers Conference 2019, together with our new Kony colleagues in Sydney, which will bring topics including Open Banking, Customer Centricity, Regulation and Innovation & Technology to financial services and fintech leaders.

Want to Get Started?

Get in touch or download our brochure.