Temenos T24 Transact – Core Banking 

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 which 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.

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

Seychelles Credit Union

Seychelles Credit Union (SCU) stands apart as the only member-owned savings and credit cooperative that operates in Seychelles. And while local commercial banks focus on developing an extensive range of…

Barko Financial Services

Barko Financial Services (BFS) is a leading microfinance institution in South Africa. By expanding into retail banking, the innovator is planning to shake up the region’s industry, fulfilling the unmet…

Bank of Kigali Plc

Established in 1966, Bank of Kigali Plc has grown to become Rwanda’s largest retail and commercial bank. To enable the rapid product and service innovation that will attract new accounts…

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 – Success Story

“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

Upcoming Events


Highlights from TRF London 2019

Temenos Regional Forum (TRF) London edition earlier this month was a space of rich debate and interaction between financial organisations executing their digital transformation journeys and Temenos experts. Current trends…

KYC Refresh Webinar

Join us to learn the latest in KYC regulations, how to build a successful KYC onboarding process, and how a large global bank digitized their KYC process and rolled it out in only 3 months.

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