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

Wise Business is a multi-currency account built around sending, receiving and converting money. 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.

Wise Business3E Accounting
Account opening feeVia licensed partners; fees set by them, not published by OCTISHK$199, one timeFree in year one via a partner
Monthly feeVia licensed partners; fees set by them, not published by OCTISNone, per its Hong Kong business pageNone in year one
Holding and converting currenciesVia licensed partners; fees set by them, not published by OCTIS40+ currencies, free inside the accountNot published
Outgoing transfersVia licensed partners; fees set by them, not published by OCTISFrom 0.23%, varies by currency; discount on large conversions from 25,000 USD or equivalentNot published
Receiving moneyVia licensed partners; fees set by them, not published by OCTISLocal receiving free in AUD, CAD, EUR, GBP, HUF, NZD, PHP, SGD, USD; USD SWIFT 6.11 USD a paymentNot published
Corporate card feesVia licensed partners; fees set by them, not published by OCTISNot stated on its Hong Kong pricing pageOne Visa card, free in year one
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 offeredNot 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 partnersHold and convert 40+ currencies in the accountThrough the free first-year partner account
Corporate cardBuilt in, via licensed partnersNot stated on its Hong Kong pricing pageFree first-year Visa card via a partner
International business accountBuilt in, via licensed partnersMulti-currency account, one-time opening feeFree first-year multi-currency account via a partner
Collect and send paymentsBuilt in, via licensed partnersSend from 0.23%; local receiving free in 9 currenciesThrough 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$199 one-time account opening (plus transfer 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

Wise Business's Hong Kong fee page lists a one-time HK$199 account opening fee, free holding and conversion of 40+ currencies inside the account, and outgoing transfers from 0.23%. 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 Wise Business?

Yes. Send Wise Business'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 a Wise 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 multi-currency 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, with no monthly fee. 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

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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 Wise Business — summary

Wise Business's Hong Kong fee page lists a one-time HK$199 account opening fee, free holding and conversion of 40+ currencies inside the account, and outgoing transfers from 0.23%. 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 Wise Business?

Yes. Send Wise Business'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 a Wise 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 multi-currency 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, with no monthly fee. 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 Wise Business Hong Kong: Multi-Currency Account Plus a Whole Operating System | OCTIS