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

Aspire is a business account with cards, FX and spend tools. 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.

Aspire3E Accounting
Monthly plan feeVia licensed partners; fees set by them, not published by OCTISBasic HK$0; Premium HK$399 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 0.18% (Basic); 0% on the first HK$80,000 a month (Premium)Not published
International transfersVia licensed partners; fees set by them, not published by OCTISPremium: 5 free outbound a month; fee amounts not publishedNot published
CardsVia licensed partners; fees set by them, not published by OCTISVirtual up to 200 (Basic) or 300 (Premium); first physical card free per user; 1.2% cashback on eligible spendOne Visa card, free in year one
Spend usersVia licensed partners; fees set by them, not published by OCTIS5 free (Basic) or 10 free (Premium); extra HK$30 each a monthNot published
Local regulationAccount and card services are provided by licensed partners; OCTIS is not a bankOperated by AFT HK Limited, a Customs and Excise Department licensed money service operator, per its pageAccount via a partner
Hong Kong incorporation packageAt least 10% below their price, with our Lowest Price GuaranteeOffered; price not published 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 0.18%; 0% on the first HK$80,000 a month on PremiumThrough the free first-year partner account
Corporate cardBuilt in, via licensed partnersVirtual cards (up to 200 or 300), first physical card free per user, 1.2% cashback on eligible spendFree first-year Visa card via a partner
International business accountBuilt in, via licensed partnersBusiness account, Basic plan HK$0 a monthFree first-year multi-currency account via a partner
Collect and send paymentsBuilt in, via licensed partnersLocal and international transfers; 5 free outbound a month on PremiumThrough 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 applyBasic HK$0; Premium HK$399 × 12 = HK$4,788 (plus usage fees)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

Aspire publishes two Hong Kong plans: Basic at HK$0 a month with FX from 0.18%, and Premium at HK$399 a month with 0% FX on the first HK$80,000 a month. 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 Aspire?

Yes. Send Aspire'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 Aspire 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.

Does 3E Accounting offer a business account?

Not as its own product. Its Hong Kong page lists a free first-year multi-currency account and Visa card from a partner (Airwallex) when you incorporate with 3E. There is no 3E-branded FX, payments, CRM or automation.

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 Aspire — summary

Aspire publishes two Hong Kong plans: Basic at HK$0 a month with FX from 0.18%, and Premium at HK$399 a month with 0% FX on the first HK$80,000 a month. 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 Aspire?

Yes. Send Aspire'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 Aspire 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.

Does 3E Accounting offer a business account?

Not as its own product. Its Hong Kong page lists a free first-year multi-currency account and Visa card from a partner (Airwallex) when you incorporate with 3E. There is no 3E-branded FX, payments, CRM or automation.

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