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OCTIS vs Airwallex vs 3E Accounting, side by side (Hong Kong)

Airwallex is a business account, card and payments platform. OCTIS is the international, enterprise-level global plan: a Hong Kong company run with OCTIS from anywhere, with FX, a corporate card, an international business account and payments built in via licensed partners, plus a CRM, workflow automation, Otty AI agents and company compliance.

Airwallex3E Accounting
Monthly plan feeVia licensed partners; fees set by them, not published by OCTISExplore HK$0; Grow HK$499; Accelerate from HK$2,499 a monthAccount free in year one, no monthly fee, via a partner
Foreign exchange rateVia licensed partners; fees set by them, not published by OCTISFrom 0.2% above interbank on all plansNot published
Local transfersVia licensed partners; fees set by them, not published by OCTISFree, 120+ countriesNot published
International SWIFT transferVia licensed partners; fees set by them, not published by OCTISHK$120–200 per transferNot published
Card fees and limitsVia licensed partners; fees set by them, not published by OCTISUnlimited multi-currency cards; 5 spend users free, then HK$40 each a monthOne Visa card, free in year one
Online payment collectionVia licensed partners; fees set by them, not published by OCTISCards 3.30% + HK$2.35 (international 3.60% + HK$2.35); local methods HK$2.00 plus method feesNot published
Hong Kong incorporation packageAt least 10% below their price, with our Lowest Price GuaranteeNot listed on its pricing pageHK$280 setup + HK$1,720 Companies Registry fee; BR fee amount not stated
Company secretary and annual filings10–30% below your current bill or their quoteNot listed on its pricing pageFree in year one; HK$400 a year renewal including NAR1
CRM and sales pipelineBuilt inNot offeredNot offered
Workflow automationBuilt inNot listed on its pricing pageNot offered
AI agents that do the work (Otty)Built inNot offeredNot offered
One workspace for compliance, documents and teamBuilt inNot offeredNot offered
Foreign exchangeBuilt in, via licensed partnersFrom 0.2% above the interbank rateThrough the free first-year partner account
Corporate cardBuilt in, via licensed partnersUnlimited multi-currency company cardsFree first-year Visa card via a partner
International business accountBuilt in, via licensed partnersMulti-currency account, Explore plan freeFree first-year multi-currency account via a partner
Collect and send paymentsBuilt in, via licensed partnersCollect cards and local methods; local transfers freeThrough the free first-year partner account
First-year cost10–30% below your current bill or their quote. Lowest Price Guarantee and 30-day money-back guarantee, terms applyHK$0 on Explore plus usage fees (Grow: HK$499 × 12 = HK$5,988)HK$280 + HK$1,720 = HK$2,000, plus BR fee (amount not stated); account and card free in year one
See Hong Kong pricing

Data sources & disclaimer: Comparison data was compiled from publicly available sources — including the competitors' own published pricing and feature pages — captured on 9 November 2026. Figures reflect the typical or advertised pricing at that time and may have changed since; plans, inclusions and prices vary by provider, region and promotion. OCTIS is independent and not affiliated with the named companies; all trademarks belong to their respective owners. This comparison is provided in good faith for general information only and is not professional, legal or financial advice — please verify current details with each provider before deciding.

Otty, the OCTIS octopus

Otty's short answer

Airwallex publishes its plans: Explore is free, Grow is HK$499 a month and Accelerate starts at HK$2,499 a month, with FX from 0.2% above interbank. OCTIS offers the same four things (FX, corporate card, international account, payments) via licensed partners and also runs the company: CRM, automation, Otty agents and compliance, priced 10–30% below your current bill or their quote. 3E Accounting gives a free first-year Airwallex account and card through a partner, but sells no payments, automation or AI of its own.

Why teams switch

Everything the account does, via licensed partners, plus a CRM, automation and Otty agents.
A Hong Kong company run with OCTIS from anywhere, on one international plan.
Priced 10–30% below your current bill or their quote, with a Lowest Price Guarantee and 30-day money-back guarantee, terms apply.

FAQ

Frequently asked questions

Is OCTIS cheaper than Airwallex?

Yes. Send Airwallex's quote or your current bill on WhatsApp, and OCTIS prices the same work 10–30% lower than it. Incorporation is at least 10% below their published price. Every price comes with the Lowest Price Guarantee and a 30-day money-back guarantee, terms apply, and licensed professionals check every filing. There is no list price to compare against: your quote or bill is the starting point, so the saving is measured against what you would actually pay.

Is OCTIS a bank or an Airwallex replacement?

OCTIS is not a bank and holds no licence of its own for accounts or cards. It offers FX, a corporate card, an international business account and payments via licensed partners, inside the same plan that runs your company's CRM, automation, agents and compliance.

Is the 3E Accounting Airwallex account really free?

3E's Hong Kong page lists a free first-year multi-currency account and Visa card with no monthly fee, given through a partner when you incorporate with 3E. The 3E fee itself is HK$280 plus HK$1,720 Companies Registry fee, and the BR fee amount is not stated. Per-transaction fees are Airwallex's own.

What does OCTIS charge?

OCTIS publishes no fintech fee or plan price. It prices from your current bill or their quote, 10–30% below it, with a Lowest Price Guarantee and 30-day money-back guarantee, terms apply. Hong Kong incorporation is at least 10% below their published price.

Compare more

OCTIS vs Sleek (Hong Kong)OCTIS vs Osome (Hong Kong)OCTIS vs Statrys (Hong Kong)OCTIS vs Air Corporate (Hong Kong)OCTIS vs Startupr (Hong Kong)OCTIS vs 3E Accounting

Send your current bill or their quote, get 10–30% off

A Hong Kong company run with OCTIS from anywhere: account, card, FX, payments, CRM and agents in one plan.

See Hong Kong pricingTalk to us
Otty, the OCTIS octopus, waving

OCTIS vs Airwallex — summary

Airwallex publishes its plans: Explore is free, Grow is HK$499 a month and Accelerate starts at HK$2,499 a month, with FX from 0.2% above interbank. OCTIS offers the same four things (FX, corporate card, international account, payments) via licensed partners and also runs the company: CRM, automation, Otty agents and compliance, priced 10–30% below your current bill or their quote. 3E Accounting gives a free first-year Airwallex account and card through a partner, but sells no payments, automation or AI of its own.

  • Everything the account does, via licensed partners, plus a CRM, automation and Otty agents.
  • A Hong Kong company run with OCTIS from anywhere, on one international plan.
  • Priced 10–30% below your current bill or their quote, with a Lowest Price Guarantee and 30-day money-back guarantee, terms apply.

Is OCTIS cheaper than Airwallex?

Yes. Send Airwallex's quote or your current bill on WhatsApp, and OCTIS prices the same work 10–30% lower than it. Incorporation is at least 10% below their published price. Every price comes with the Lowest Price Guarantee and a 30-day money-back guarantee, terms apply, and licensed professionals check every filing. There is no list price to compare against: your quote or bill is the starting point, so the saving is measured against what you would actually pay.

Is OCTIS a bank or an Airwallex replacement?

OCTIS is not a bank and holds no licence of its own for accounts or cards. It offers FX, a corporate card, an international business account and payments via licensed partners, inside the same plan that runs your company's CRM, automation, agents and compliance.

Is the 3E Accounting Airwallex account really free?

3E's Hong Kong page lists a free first-year multi-currency account and Visa card with no monthly fee, given through a partner when you incorporate with 3E. The 3E fee itself is HK$280 plus HK$1,720 Companies Registry fee, and the BR fee amount is not stated. Per-transaction fees are Airwallex's own.

What does OCTIS charge?

OCTIS publishes no fintech fee or plan price. It prices from your current bill or their quote, 10–30% below it, with a Lowest Price Guarantee and 30-day money-back guarantee, terms apply. Hong Kong incorporation is at least 10% below their published price.

    OCTIS vs Airwallex Hong Kong: Business Account Plus a Whole Operating System | OCTIS