--- title: "Temenos Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Temenos the right Payment Processing solution for you? Explore 69 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/111334/TEMENOS-T24/reviews/" page_type: "reviews" language: "en" publication_date: "2026-09-28" --- Temenos 4.4 (69) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated September 28th, 2026 # Reviews of Temenos Ease of use 4.4 Customer Service 4.1 ## Pros and Cons in Reviews DO Daniel O Chief Information TechnologyBanking, 501 - 1,000 employeesUsed the software for: More than 2 years. “One of the most striking aspects of Temenos Transact is its adaptability. Whether you're a small community bank or a global financial giant, the platform seamlessly scales to meet your needs.“ April 9, 2024 JH Jeremy H Head of Wealth Management DeliveryBanking, 1,001 - 5,000 employeesUsed the software for: 1-2 years. “Over-customisation can make upgrades challenging“ April 30, 2024 RC Roberta C Human Resource ManagerHealth, Wellness and Fitness, 11 - 50 employeesUsed the software for: More than 2 years. “Handling finances accounts with Temenos Core is outstanding.“ January 3, 2025 SH Sothol H CTOBanking, 51 - 200 employeesUsed the software for: More than 2 years. “Pricing is very expensive compare to investment budget.“ February 22, 2024 ME Mona E Core Banking Application ManagerBanking, 5,001 - 10,000 employeesUsed the software for: More than 2 years. “One of the most robust core systems in the world“ February 20, 2025 Ian N Internal AuditorBanking, 51 - 200 employeesUsed the software for: More than 2 years. “The program has been ill suited to the retail banking features we required.“ May 17, 2023 MH Mohamed H Head Of SolutionsBanking, 1,001 - 5,000 employeesUsed the software for: More than 2 years. “The best scalable flexible product in the market“ January 27, 2025 EA Ebrahim A Infra Team LeaderBanking, 1,001 - 5,000 employeesUsed the software for: 1-2 years. “it's very difficult to migrate.more than 2 Years we still have a lot of issues, the T24 not stable yet.“ June 11, 2023 ## Showing most helpful reviews Showing 1-25 of 69 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Manasseh A. CIO Banking Used the software for: 2+ years ### "Best in Class solutions for Core Banking Experience" August 29, 2023 4.0 My experience has been exceptional. Pros Easely maintainable, strong API base, great architecture and friction-less integratability. Cons The data structure is proprietary and xml-based, it can be daunting to build skill on. Alternatives considered [Oracle FLEXCUBE](https://www.capterra.com/p/241243/Oracle-FLEXCUBE/) Reason for choosing Temenos Transact has rich features and there is a strong skills market in the sub-region. Review Source SV Stanka V. Head of Architecture and Administration Banking Used the software for: 2+ years ### "Extensive Expertise in Temenos Products and Successful Project Deliveries" March 26, 2025 5.0 With nearly 15 years of experience working with and utilizing Temenos products, I have gained extensive expertise and deep familiarity with your solutions, which have consistently proven to be invaluable in driving success in my projects., I have successfully delivered numerous high-impact projects across various banks, leveraging Temenos’ innovative technologies to achieve outstanding results. Pros I appreciate the diverse range of architectures that Temenos Core supports, enabling flexibility and adaptability across various banking environments. Cons I appreciate the versatility and functionality of Temenos Core, but one area that could be improved is the complexity of some of the configurations. While powerful, certain aspects of the setup process can be challenging and may require significant time for customization and optimization. Switched from [Oracle FLEXCUBE](https://www.capterra.com/p/241243/Oracle-FLEXCUBE/) The switch was driven by the need for modernization in core banking systems, as financial institutions require more agile, scalable, and efficient solutions to meet the evolving demands of the market. Review Source MM Miroslav M. Transact Product Owner Banking Used the software for: 2+ years ### "transact review" April 2, 2024 1.0 I am satified user of temenos product for almost 20 years Pros overall functional capabilities, product improvements Cons temenos customer suport, quality of fixes/patches Review Source AF Ahmed F. Core banking Manager Banking Used the software for: 2+ years ### "Temenos Transact" March 3, 2025 5.0 T24 transact is really great covers all the banking functions with no gaps Pros Temenos Transact covers all the banking domains. Cons some of the issues still not fixed across all the T24 releases, we still facing the daily STMT entries overwritten since R09 till R20 Review Source Hasan S. T24 Technical Analyst Banking Used the software for: 2+ years ### "Temenos T24" June 15, 2021 5.0 It's been 4 years that I am using this software and I have found it really useful in many aspects. It has made the banking solutions much easier. For example, AA module which is a component based Architecture enabled us to handle multiple products like Lending, Securities and Retail. Pros The most useful feature of this product is that it provides a very secure, reliable and convenient experience in terms of all financial transactions. Without any doubt, Temenos is the world's best banking software. It is easy to learn. Although, integration with old legacy systems is quite difficult but not impossible. Cons System should be extra intelligent for detecting errors while compilation of routines. Sometimes it gets tricky to find a simple error that system should has to trace itself. Deployment is bit difficult with old banking systems. Alternatives considered [Finacle](https://www.capterra.com/p/10010681/Finacle/) Reason for choosing Temenos It is a more powerful tool than all other banking software's. Review Source Matthias S. Technical Consultant Information Technology and Services Used the software for: 2+ years ### "The best Core Banking Software out there." September 28, 2022 5.0 I have used it as an end user, as a support, admin, as well as customized it to an extent. It is flexible and feature-rich core banking software. No wonder why its chosen by most of the leading banks around the globe. Pros Easy to use Rich functionalities Secure Robust Great Support Tailored to country model banks Cons A bit expensive but considering the range of functionalities that it provides, it is understandable. Alternatives considered [Oracle FLEXCUBE](https://www.capterra.com/p/241243/Oracle-FLEXCUBE/)[Finacle](https://www.capterra.com/p/10010681/Finacle/) Reason for choosing Temenos Security, Robustness, Ease of Use, Support, Wide range of functionalities ... Review Source HA Haithem A. CIO Financial Services Used the software for: 2+ years ### "Transact Core Review" April 22, 2025 4.0 Pros One of the world leading core banking systems with powerful engine to run the bank Highly scalable, secure and refined core banking system with global presence and industry recognition. Cons Maintain Lagacy version of the core Transact within lagacy technology Review Source MTN Manh Tien N. Head of System Integration Banking Used the software for: 2+ years ### "Best Core Banking solution" April 1, 2025 5.0 Transact is the best solution for Core Banking, and it can help save time when deploying products and exposing APIs. Pros Very flexible High performance Provide many frameworks Cons Too many complicated framework need trainings Review Source HI Hagar I. Head of IT Support and Operations Banking Used the software for: 6-12 months ### "Temenos Digitla" April 28, 2025 4.0 very improvement in customer experience in using the App, doing all what he need in one press which save time, money and effort Pros customer experience, and the friendly and simple interface, many functions are very easy to use by the customer directly without any need to visit the branches Cons installation was a little bit not that easy, some technical issues raised while the UAT , however the team was able to solve and fixed it Review Source VR Verified Reviewer CIO Banking Used the software for: Less than 6 months ### "Temenos Digital :Apowerful platform that can be relied upon to provide modern digital sevices to customer" April 28, 2025 5.0 Temenos Digital is best suited for larger financial institutions that have the resources and strategic intent to invest in a comprehensive, scalable digital banking transformation. For smaller or more agile banks, lighter-weight or fintech-native platforms might offer a faster and more cost-effective path to digital innovation. Pros Temenos Digital offers a seamless, innovative platform that's helping redefine the future of banking. Their solutions are flexible, powerful and designed with customer in mind. Highly recommend Cons While Temenos Digital provides powerful capabilities, the platform can sometimes feel complex to configure without specialized expertise. initial setup and customization may require with extra cost Review Source ME Mona E. Core Banking Application Manager Banking Used the software for: 2+ years ### "T24 Transact" February 20, 2025 5.0 One of the most robust core systems in the world Pros ATM framework, AA products , Business events Cons Release notes of core update is not clarifying the issue clearly Review Source AA Ahmed A. Head of IT Center of Excellence Banking Used the software for: I used a free trial ### "Temenos Digital" February 20, 2025 4.0 Pros The flexibilty of applying business flows of the digital services according to each bank nature Cons The partners eco system supporting the product in the region Review Source Abdullah M. Branch Services Manager Banking Used the software for: 2+ years ### "Leading Core Banking System" March 30, 2020 5.0 Temenos T24 is a leading core banking system worldwide and has been adopted by the majority of banks. It combines a wide range of features which helps financial institutions to manage their operations in a most secure way . T24's flexibility enables banks to launch new products quickly and efficiently. With the help of T-24 Banks can enhance their acceptability all over the world and in their country as well because most the countries central banks are requiring banking industry to adopt Temenos T-24. Pros Temenos T24 is very effective and reliable core banking system. I am using T24 from last 3 years and i found It very easy to use and super fast system which covers wide range of retail and corporate banking features. The banks can keeps cutomer data in a very secure way and quickly access it whenever requires. We can maintain KYC's (Know Your Customer) of customers very easily and as per the requirements of central bank. The reports can be easily accessable 24/7 with a blink of eye and this feature is very helpful for banks to analyse the data. The cloud acceptabiliy is also another good feature of Temenos T-24. I have use muliple banking software in different banks but i found Temenos T-24 best amongst all of them due to its reliability and control over the transactions. Cons The cost of implementation of Temenos T-24 is very high so because of this small and medium size financial institution finds difficult to switch. The Temenos runs via network so when main servers will down all the network collapse. Review Source KA KING A. HEAD IT Banking Used the software for: 2+ years ### "Temenos Transact Review" February 7, 2024 5.0 Temenos Transact provides APIs flexibility for other applications to connect to and transact as well as customization with local development to suite business customers dynamic needs. Pros APIs connectivity flexibility and local customization development available for customer needs Cons One will need to have a more resourceful hardware resources to continually be happy with Temenos Transact services and applications Review Source EA Emmanuel A. Senior Manager, Project Execution Banking Used the software for: 2+ years ### "Temenos transact the best core banking software you have to consider." August 22, 2023 4.0 We were on a lower release with a lot of local development and had a lot of issues and temenos transact came to resolve most of the issues. Pros The temenos transact is compatible with most relational database and it now cloud base (SAAS) Cons The subscription cost module which makes the modules sometimes expensive. Reason for choosing Temenos It is very flexible and robust Review Source OT Onan T. IT Specialist Information Technology and Services Used the software for: 2+ years ### "Core Banking You Didn't Know You NEED!" February 8, 2024 4.0 Pros how versatile Payments Hub is, when it come to Swift, ACH & SEPA payments. Cons Currently we use R20 with the browser interface which looks outdate. Review Source VR Verified Reviewer Software Developer Banking Used the software for: 6-12 months ### "Efficient banking core" December 16, 2018 5.0 I have worked in the implementation of this banking core in an investment bank. Where, i developed the integrations of this banking core with other financial technologies that the client maintained. Pros It allows you to have in a solution all the branches of your financial institution, such as customer management, transactions and native support with other banking technologies. It is a very complete banking core, which is linked to both retail banking and investment banks, and any other company that provides financial services. Cons Depending on the size of your company, the complexity of the implementation may vary and sometimes requires a lot of initial configuration effort. Review Source VR Verified Reviewer Marketing Project Manager Used the software for: 1-2 years ### "Reliable core banking system" May 24, 2018 5.0 Pros T24 is a market leader in core banking systems in Africa for a number of reasons such as -Easily configurable to suit business workflows - Ability to get skilled resources/partners -Covers huge range of retail and corporate banking features Cons T24 does not support offline processing. This is inefficient whenever the bank or branch experiences a network downtime Review Source VR Verified Reviewer Lending Processing Manager Banking Used the software for: 6-12 months ### "Good company" August 6, 2018 4.0 Pros Super easy to use. It’s fast and most of the random features we want, it has. Makes mortgage fundings easy. Cons When we receive a disbursement error, it’s not easy to read the error it gives you. We spend a lot of time figuring out and pushing buttons trying to figure out what went wrong. During implementation, they took forever getting our cases worked through. They kept pushing our go live date. They moved it about 3-4 times. Review Source MF Muhammad F. Branch Operations And Service Manager Banking Used the software for: 2+ years ### "Branch Operations And Service Manager. SILK BANK PAKISTAN " April 28, 2022 5.0 It is start of art digital banking platform in Pakistan Pros Temenos is very great digital banking software to meet the Modren Digital Banking requirements. I uses this software since 2010 as Operations And Service Manager Cons Account Enquiries and others enquiries very difficult to find any data from system. We need any complete coding ebook. Review Source lA lijalem A. custemer service maneger Banking Used the software for: 2+ years ### "comment about t24" August 3, 2016 5.0 comment from cbe t24 is a wonderful banking software i have ever seen in my life ,though its own limitation when do we have a network fragmentation ,the system totally eliminate the offline system. so no way to handle customer manually Pros speed Review Source VR Verified Reviewer Software Developer Information Technology and Services Used the software for: 6-12 months ### "Worst Technology and IDE I have ever worked with" May 7, 2019 1.0 Very Bad. Don't want to work again. Pros Nothing as such, They should improve in everything. Cons Everything else, features, ease of access, logcat and everything else Review Source Carolina U. Especialista en Sistemas Used the software for: Less than 6 months ### "It is a IDE based on eclipse, very easy to use. " April 9, 2018 4.0 It was really good for development of javascript code, it autocompletes. the integration of the smartphone with the backend is highly customizable Pros It has a preview of de screen you are designing in differents mobile platform and versions. Its an autocomplete javascript editor. You can invoke web services. Access to differents features of the smartphone, like maps, SMS. Cons the documentation is poor, it needs to be improved, the actual one is difficult to undestand specially if you are a new user. Review Source AS Ahmed S. Core Banking application support manager Banking Used the software for: I used a free trial ### "Temenos infinity" April 17, 2025 5.0 Temenos Infinity is a digital banking platform designed to help financial institutions deliver exceptional customer experiences and stay competitive in the market Pros Support and Resources Temenos Support Portal,Offers access to support teams, documentation, and resources for clients and partners. Knowledge Base, Provides articles, videos, and guides on various aspects of Temenos Infinity, including loan origination and Military Lending Act configurations. Community Forum, Allows users to connect with each other, share knowledge, and get support Cons Complexity Steep Learning Curve,The platform's advanced features and capabilities may require significant training and investment to fully utilize. - \*Technical Complexity\*: Integrating Infinity with existing systems and infrastructure can be complex and time-consuming. Review Source RC Roberta C. Human Resource Manager Health, Wellness and Fitness Used the software for: 2+ years ### "My Review on Temenos Core" January 3, 2025 5.0 Pros Handling finances accounts with Temenos Core is outstanding. The tool has a number of menu options that helps in management of accounts from opening to closure. Integrates well with the CRM for notifications and supports online transactions. Cons Its a complex solution although its reliable. Switched from [Descartes Finale](https://www.capterra.com/p/149851/Finale-Inventory/) We were looking for a more versatile solution, Review Source ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Talk to a Capterra advisor for free and get results within 15 minutes.