Temenos Banking Cloud

The trusted SaaS for 700+ banks around the world

Introducing the Temenos Banking Cloud 


The trusted SaaS for banking 

Our clients require the highest standards when it comes to risk, data, regulation, ESG and security. The SaaS of the Temenos Banking Cloud delivers on these stringent needs applicable to any financial institution in the world, while providing access to broad and deep market leading banking capabilities to compose exceptional banking experiences. 

Deliver ongoing growth and innovation 

Through the Temenos Banking Cloud, our clients can deliver new services, new features, and changes in an exceptionally short time to market. Paired with direct access to capabilities like Explainable AI from a continually updated platform, they deliver exceptional banking experiences, today and tomorrow. 

Up to 95% lower carbon footprint across banking

The Temenos Banking Cloud delivers on sustainability across all banking segments: retail banking, wealth management, corporate and business banking. Powered by hyperscalers, our clients create 92-98% annual savings in MTCO2e emissions, compared to on-premise alternatives. ​

Progressive Banking Modernization supported by the Temenos Banking Cloud​

For banks, it is critical to support and manage existing technology portfolios and reap the benefits of the cloud at the same time. Through the SaaS services of the Temenos Banking Cloud, our clients can access the market-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.

Continuous upgrades

Temenos offers automated annual upgrades to all Temenos Banking Cloud customers. Learn more in this video where Temenos President Product and Chief Operating Officer, Prema Varadhan explores continuous updates for SaaS customers and how SaaS innovations bring value to all clients on the Temenos platform.

Aligned to industry standards and regulation

Aligned to industry standards and regulation from a governance perspective, Temenos dedicates time and investment to comply with information, governance, security, and regulation standards. Temenos has multi-skilled teams located across the globe whose purpose is to identify, implement and maintain client-relevant certifications and help clients navigate the world of Cloud and SaaS.

Massive scalability 

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.  


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.  

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.  

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 new levers for digital transformation.

Developer 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.

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.

Temenos Events

Temenos Events make it even easier for banks to integrate with our banking software. Temenos is defining events for every major change of state in our banking products and solutions – which means great scalability and faster, more flexible integrations for banks.

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.

Build a bank in a day

Banks can innovate faster than ever before through SaaS. Get in touch and learn firsthand how easily you can consume, compose, configure, and extend capabilities, services, and enterprise solutions any way you and your customers need.

What Is Your Next Big Idea?

Access the Temenos Banking Cloud to explore your next big idea. Get inspiration from a plethora of banking operations backed by the power of an intelligent, SaaS 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

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 realized that moving to a cloud-based core banking solution would offer multiple advantages. First, it would mean a lower cost of ownership. More than this, a cloud platform would mean that we relied less on internal resources to manage and maintain infrastructure and applications. In addition, we felt the scalability of cloud would facilitate expansion into new markets and faster launch of new products.”

Richard Marshall
Head of IT at ANSA Merchant Bank

“We realized that a cloud-first model would unlock benefits in terms of scalability, reliability, and security. Plus, we knew the cloud would help with product development and give us more time to think about digital innovation rather than infrastructure management.”

Daniel Broten
Chief Technology Officer at EQ Bank

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 

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