Temenos Banking Cloud

Instant access to the most extensive set of composable banking services 

Introducing the Temenos Banking Cloud 


Innovate today on the Temenos Banking Cloud

Download the factsheet to learn how the open platform for composable banking with instant access to the most extensive set of composable banking services.

Progressive Banking Modernization

Progressive Banking Modernization on the Temenos Banking Cloud​

For banks it is critical to support existing portfolios and reap the benefits of the cloud at the same time. The Temenos Banking Cloud offers a leading breadth of modular capabilities across banking segments to support a progressive modernization path to the cloud. ​

Temenos Banking Cloud Demo

Learn about Progressive Banking Modernization on the Temenos Banking Cloud. Our clients use the power of open technology to consume, compose and extend banking services to launch new propositions at scale and drive customer satisfaction.

Access the API catalogue

Discover the power of our APIs on the Temenos Banking Cloud. Our APIs provide banks with all the powerful, flexible functionality they need to provide leading financial services. Get instant access to the APIs of the Temenos Banking Cloud and select from a wide range of API endpoints to accelerate innovation across the Temenos banking services.

Build a bank in a day

Banks can innovate faster than ever with an open platform for composable banking. Register today to get access to the sandbox and see for yourself how easily you can consume, compose, configure and extend capabilities, services and enterprise solutions any way you and your customers need.

Temenos Exchange

Our open banking marketplace offers an extensive selection of pre-integrated and certified FinTech services that help banks to accelerate the creation of new financial services. Temenos Exchange is the home for leading fintech services and a network of over 3000 banking clients in 150 countries.

Developers community

Get the most out of working with Temenos by joining the Temenos Community – Base Camp lets you connect with our product experts, share ideas and explore innovation.

What Is Your Next Big Idea?

Access The Temenos Banking Cloud to explore The Innovation Lounge. Get inspiration from a plethora of banking operations backed by the power of an intelligent, digital platform.

Frequently Asked Questions

The Temenos Banking Cloud is the next generation in SaaS. It combines the industry’s most complete banking services, covering all segments and all geographies, with a sandbox for fast innovation and the Temenos MarketPlace for fintech collaboration. Powered by a new AI-enabled engine that drives banks’ business growth and accelerates time to market. With Temenos Banking Cloud, banks now have the power to self-provision always-on banking services and scale instantly and securely while dramatically reducing the cost of operations to 10% of legacy systems.

The Temenos Banking Cloud is the next generation SaaS offering from Temenos. Building on over 10 years of cloud leadership, $1 billion in R&D investment and the experience of over 700 SaaS customers ranging from global banks to over 70 challengers.

The Temenos Banking Cloud is designed for all banks of all sizes across all geographies. It offers banks instant access to the industry’s leading front-to-back banking services with localized functionality from over 150 countries, covering all banking segments including universal banks, retail banks, corporate banks, challengers, private banks, credit unions, Fund administrators

Over 700 financial institutions use Temenos SaaS technology such as Al Ain Finance, Alpian, Flowbank, Flowe, Itau, Orange Bank and they can now benefit from all the new rich features of The Temenos Banking Cloud.

A free 21-day trial is available to access the Temenos Banking Cloud Sandbox and to discover newly released solutions. Within this period, Temenos makes available Temenos cloud services and/or software product(s) via a web-enabled sandbox for the limited purposes of evaluating such services and/or software under the terms and conditions which can be found in the Temenos Software Sandbox Agreement. Upon expiry or termination of this Agreement, all rights to access the Cloud Services will cease. Register your interest here to access the Sandbox.

Find out more

about the Temenos Banking Cloud

Financial services are continuously evolving at scale for demanding audiences and are increasingly embedded in day-to-day consumer and business products. The Temenos Banking Cloud helps banks to offer open banking services (Banking-as-a-Platform) and rapidly evolving new distribution models like Banking-as-a-Service from one single platform. So, start innovating today, and access the Temenos Banking Cloud to accelerate time to value, and collaborate with fintechs anywhere, any time, and at any scale.   

Pre-assembled banking services  

Build on our well-known banking services that are pre-composed, pre-wired and pre-tested. Launch proven banking services into your sandbox in a matter of minutes and introduce new services rapidly to your clients.  

Low-touch SaaS  

Compose capabilities and services in our intuitive self-service portal. From composing, to testing, deploying, and monitoring: it’s all enabled by easy-to-use tooling and from one single portal.  


All services and capabilities are extensible in a no-code and low code way. Through our extensibility framework it is possible to extend business processes, workflows, rules, data models or banking products easily and safely with additional capabilities, including capabilities from Temenos and the Temenos Exchange.  

Continually updated 

All enhancements we invest in the platform can be consumed on a frequent basis: we keep the platform evergreen.  


Scale elastically to the right size, at the right time, at the right cost for your business growth. Elastic scalability, as benchmarked by Temenos, guarantees minimal environmental impact and extreme performance when demanded.  

Broadest set of banking capabilities  

The Temenos Banking Cloud offers the broadest set of services across multiple banking segments ranging from front, to middle to back-office functions. All are built and tested by Temenos as part of our composed services, made from granular banking capabilities that are headless and open to enable optimal business agility.  

Hear more from our Chief Technology and Product Officer on the anatomy of a modern banking platform.

Temenos is a great partner for us to help that rapid cycle of products iteration, gaining insights and be able to continue to deliver solutions that solve real pain points for consumers.”

Colin Walsh 
Founder and CEO, Varo  

We selected Temenos as our platform partner because of their hyper-efficient and secure open-cloud capabilities, which align with and support our goals to provide exceptional, scalable solutions to our customers and partners. This is a critical component of our mission to seamlessly connect people to their money, both directly through our digital bank and products like GO2bank, and through our valued partners.”

Dan Henry 
President and CEO, Green Dot 

With Temenos we have efficiently built WeLab Bank from scratch, free from any legacies, with innovative features that proactively help customers to take control of their money and their financial journey.”

Adrian Tse 
CEO, WeLab 

See more success stories

Insights from TCF 2022

The theme of TCF 2022 was Everyone’s Banking Platform.

If you missed the event, this interactive report is for you.

EIU report: Capturing Value in the Cloud

Cloud adoption by banks has accelerated, ut challenges around security, governance and skills remain. What is the state of cloud-based banking in 2021? What are banks’ drivers strategy for cloud adoption and what barriers do they still need to overcome?