Softwr

Automation Integration · head to head

Microsoft Power Automate vs Temenos Transact

Microsoft Power Automate logo

Microsoft Power Automate

Automation Integration

Automate tasks across cloud and on-premises apps

From
Free
Rated
-
Full reviewWebsite
Temenos Transact logo

Temenos Transact

APIs

Established core banking system used by banks in over a hundred countries

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Microsoft Power Automate has a free tier, so it costs nothing to try first.
  • Each has a real cost: Microsoft Power Automate free plan limited to 750 flow runs/month and standard connectors only; premium connectors require paid plans; Temenos Transact the codebase originates in the 1990s, so banks on older releases face major upgrade programmes to reach current versions, and many defer them for years.
  • They diverge on capability: Microsoft Power Automate covers Automated flows, Temenos Transact covers Country model banks.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Microsoft Power Automate and Temenos Transact actually diverge.

Attributes where Microsoft Power Automate and Temenos Transact differ
AttributeMicrosoft Power AutomateTemenos Transact
Starting priceFreeOn request
Pricing modelUnknownquote
Free tierYesNo
PlatformsWeb, Cloud, DesktopWeb, Linux, Windows, REST API
CategoryAutomation IntegrationAPIs
Founded2016Unknown

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Microsoft Power Automate

  • Automated flows
  • Instant flows
  • Scheduled flows
  • Desktop automation
  • Process mining
  • Business process flows
  • Approval workflows
  • 500+ connectors

Only in Temenos Transact

  • Country model banks
  • Multi-product core
  • Payments processing
  • API layer
  • Cloud deployment
  • Accounting engine

What people use each for

The jobs each tool is most often brought in to do.

Microsoft Power Automate

  • Workflow Automationnot Temenos Transact
  • Data Integrationnot Temenos Transact
  • Process Automationnot Temenos Transact
  • App Integrationnot Temenos Transact
  • API Connectivitynot Temenos Transact

Temenos Transact

  • A bank in an emerging market needing local regulatory compliance without building it from scratchnot Microsoft Power Automate
  • An institution running Islamic banking products alongside conventional ones on one corenot Microsoft Power Automate
  • A bank that needs a large pool of experienced implementation consultants to de-risk a migrationnot Microsoft Power Automate
  • A group standardising subsidiaries in several countries onto one core banking systemnot Microsoft Power Automate

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Microsoft Power Automate

  • Free plan limited to 750 flow runs/month and standard connectors only; premium connectors require paid plans
  • Not suitable for long-running workflows; can fail unexpectedly without warning
  • Limited to simple linear logic; fails with complex workflows involving multiple stakeholders
  • Tasks cannot automate at scale when requiring more than approximately 60 users

Temenos Transact

  • The codebase originates in the 1990s, so banks on older releases face major upgrade programmes to reach current versions, and many defer them for years.
  • Total cost is dominated by implementation partner fees rather than licence, and those programmes routinely overrun their original estimates.
  • Product changes that cloud-native cores treat as configuration can require development work and a release cycle, which slows time to market for new products.
  • Heavy customisation is common and it makes every subsequent upgrade harder, creating a compounding cost that banks feel a decade after go-live.
  • Temenos has repeatedly restructured its product line and naming, so buyers must check carefully which components a proposal actually includes and which are separately licensed.

Pricing, plan by plan

Microsoft Power Automate

Free
  • FreeFree
    • 750 flow runs/month
    • Standard connectors only
    • Basic cloud flows
  • Premium$15/user/month
    • Cloud flows (DPA)
    • Attended RPA
    • 250 MB Dataverse database
  • Process$150/bot/month
    • Unattended automation
    • Cloud and desktop flows
    • 50 MB Dataverse database
  • Hosted Process$215/bot/month
    • Microsoft-managed virtual machine
    • Unattended automation
    • Same Dataverse entitlements as Process plan

Temenos Transact

On request
  • Temenos Transact$undefined/year
    • Perpetual or subscription licence scaled by assets, accounts or users
    • Annual maintenance typically a percentage of licence value
    • Implementation delivered by partners and charged separately

Which should you pick?

Choose Microsoft Power Automate if

  • You need automated flows.
  • You want to start without paying.
  • You work on Web, Cloud, Desktop.
  • You also want instant flows.
Microsoft Power Automate review

Choose Temenos Transact if

  • You need country model banks.
  • You work on Web, Linux, Windows, REST API.
  • You also want multi-product core.
Temenos Transact review

Questions people ask

Is Microsoft Power Automate or Temenos Transact better?
Neither clearly leads. Microsoft Power Automate starts at Free and Temenos Transact at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Microsoft Power Automate or Temenos Transact?
Microsoft Power Automate has a free tier; the other does not. Paid plans start at Free for Microsoft Power Automate and On request for Temenos Transact.
Does Microsoft Power Automate or Temenos Transact run on more platforms?
Microsoft Power Automate runs on Web, Cloud, Desktop. Temenos Transact runs on Web, Linux, Windows, REST API.
Can I use Microsoft Power Automate for free?
Yes. Microsoft Power Automate has a free tier, so you can try it without paying. Temenos Transact starts at On request.
What is Microsoft Power Automate best used for?
Microsoft Power Automate is most often used for workflow automation, data integration, process automation, app integration. Of those, workflow automation and data integration are not what Temenos Transact is typically brought in for.
What can Microsoft Power Automate do that Temenos Transact cannot?
Microsoft Power Automate covers Automated flows, Instant flows, Scheduled flows, Desktop automation. Temenos Transact covers Country model banks, Multi-product core, Payments processing, API layer.

Answered from the vendors’ own pages

Microsoft Power Automate: Is Power Automate included with Microsoft 365?

Yes. If you have an eligible Microsoft 365 subscription, you can use Power Automate at no extra cost for flows relying only on standard connectors (SharePoint, Outlook, Teams). Premium connectors (Salesforce, SAP, Oracle) require paid plans.

Source
Temenos Transact: Is Transact the same as T24?

Yes. T24 was renamed Temenos Transact; older installations and much of the consultant population still use the T24 name.

Microsoft Power Automate: How many flow runs are allowed on the free plan?

Power Automate's free tier (included with Microsoft 365) is limited to 750 flow runs per month and standard connectors only. Out of 900+ total connectors, the free plan only includes Microsoft ecosystem apps and limited third-party apps.

Source
Temenos Transact: Can it run in the cloud?

Yes, it is offered on public cloud, though many existing installations remain on-premises and moving them is a project.

Microsoft Power Automate: What's the difference between Premium and Process plans?

Premium ($15/user/month) provides attended automation with cloud flows and standard RPA. Process plan ($150/bot/month) enables unattended automation where bots run without human intervention on virtual machines for high-volume, repetitive tasks.

Source
Temenos Transact: What drives the cost?

Licence scaled by size, annual maintenance as a percentage of licence, and implementation partner fees that usually exceed the software cost.

Microsoft Power Automate: Does Power Automate support long-running workflows?

No. Power Automate is not suitable for long-lasting workflows because they can run without warning and fail unexpectedly. The platform is built for linear, branching logic (if-then) rather than complex, multi-step business processes involving multiple stakeholders.

Source
Share

Related pages

More on Microsoft Power Automate

More on Temenos Transact

Keep looking

Other head to heads