Temenos Transact · Schema

Temenos Transact Banking Transaction

Represents a financial transaction in Temenos Transact (formerly T24) core banking system. A transaction is a debit or credit entry posted against a customer account, capturing the movement of funds with full audit trail including booking date, value date, narrative, counterparty details, and applied charges or exchange rates. Transactions are generated by various banking operations including fund transfers, payment orders, standing orders, direct debits, interest postings, and fee collections.

BankingCore BankingDigital BankingEnterpriseFinancial ServicesFintech

Properties

Name Type Description
transactionId string Unique system-generated transaction identifier assigned by Temenos Transact. Follows the format prefix plus numeric sequence (e.g., FT for fund transfers, PI for payment instructions).
accountId string Identifier of the account against which the transaction is posted. References an account arrangement created through the Arrangement Architecture.
transactionType string Classification of the transaction type indicating the nature of the financial operation that generated this entry.
debitOrCredit string Indicates whether the transaction is a debit (reducing account balance) or credit (increasing account balance) from the perspective of the account holder.
amount number Transaction amount in the account currency. Always expressed as a positive value; the debitOrCredit field indicates the direction.
currency string ISO 4217 currency code of the transaction amount. Typically matches the account currency unless a foreign currency transaction is involved.
bookingDate string The date the transaction was booked (posted) to the account ledger. This is the date the transaction appears on the account statement.
valueDate string The value date used for interest calculation purposes. May differ from the booking date, particularly for future-dated payments or backdated corrections.
processingDate string The date the transaction was processed by the system. Typically matches the booking date but may differ for batch-processed transactions.
reference string Transaction reference number used for identification and reconciliation. May be system-generated or provided by the originator.
endToEndReference string End-to-end reference that travels with the payment through the entire processing chain. Used for payment tracking and reconciliation across systems.
narrative string Human-readable description of the transaction providing context about the payment purpose or origin.
counterparty object Details of the other party involved in the transaction, such as the sender (for credits) or recipient (for debits).
balance number Running balance of the account after this transaction was applied. Provides a sequential view of account balance movement.
exchangeRate object Exchange rate information when the transaction involves currency conversion.
charges object Charges and fees applied to this transaction.
statementNumber string Identifier of the account statement period this transaction belongs to.
reversalIndicator boolean Indicates whether this transaction is a reversal of a previously posted transaction.
originalTransactionId string Reference to the original transaction identifier when this entry is a reversal or correction.
transactionStatus string Lifecycle status of the transaction within the Temenos Transact processing pipeline.
channel string The banking channel through which the transaction was initiated.
paymentMethod string The payment method or instrument used for this transaction.
categoryCode string Transaction category code used for accounting and reporting classification within Temenos Transact.
audit object Audit trail information for the transaction.
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