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OCTIS vs Airwallex vs 3E Accounting, side by side

Airwallex is a strong multi-currency account, card and payments platform with no monthly account fee. It does not run your company secretary, books, tax or CRM. OCTIS runs your Sdn Bhd: the account, FX, corporate card and payments through licensed partners, and on top of them the secretary, accounting, tax, a built-in CRM, automation and Otty AI agents. 3E Accounting is shown as the traditional services route.

		Airwallex	3E Accounting
Account fees	Priced from your bill; no separate account line to track	"No monthly account fees"; zero setup and maintenance fees	Not offered; bank-opening help only (1 resolution free, UOB referral)
FX cost	Included via licensed partners; part of your bill-based price	0.4% above interbank for 17 major currencies; 1.0% for others	Not offered
Local and SWIFT transfers	Payments sent from the same workspace as your bills and books	Local free; SWIFT RM 30 to RM 90	Not offered
Cards and cashback	Corporate card via licensed partners	Company and employee cards free; limited-time 1% uncapped cashback on international spend	Not offered
Collecting customer payments	Collect and send payments via licensed partners	Domestic cards and wallets 1.90% + RM 0.50; local methods 1.4% + RM 0.50	Not offered
Regulated entity in Malaysia	Money services run through licensed partners; OCTIS is not a bank	Airwallex (Malaysia) Sdn. Bhd. is named as a licensed currency exchange and remittance business, e-money issuer and registered merchant acquirer	Not a payments provider; MIA registered firm (NF 1352)
Company secretary and SSM annual return	Named secretary and annual return included	Not offered	Yes: RM1,000 per year
Accounting and tax	Bookkeeping, Form C submission and audit coordination (an independent auditor signs the audit)	Not offered	Yes, prices not published; audit from RM800 (dormant minimum)
CRM and sales pipeline	Built in	Not offered	Resells Microsoft Dynamics CRM; no CRM of its own
Workflow automation	Built in	Not listed on its Malaysia pricing page	Not offered
AI agents that do the work (Otty)	Built in	Not offered	Not offered
One workspace for compliance, documents and team	Built in	Not offered	Not offered
Foreign exchange	Built in, via licensed partners	Yes: 0.4% or 1.0% above interbank	Not offered
Corporate card	Built in, via licensed partners	Yes: company and employee cards free	Not offered
International business account	Built in, via licensed partners	Yes: multi-currency, no monthly fee	UOB referral only
Collect and send payments	Built in, via licensed partners	Yes: collections from 1.4% + RM 0.50	Not offered
Your total cost, first year	10–30% below your current bill or their quote. Lowest Price Guarantee and 30-day money-back guarantee, terms apply	RM0 account fees + usage fees (FX 0.4%, SWIFT RM 30 to RM 90, collections 1.4%+); no secretary, books or CRM	RM1,000 company secretary + RM800 audit (dormant minimum) = RM1,800 or more, before accounting and tax (not published)

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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's short answer

If all you need is a multi-currency account and cards, Airwallex is excellent: no monthly fee, free local transfers and FX from 0.4% above interbank. If you also want the company secretary, books, tax, CRM and AI agents in the same place, OCTIS covers the account, FX, card and payments through licensed partners and runs the rest of the Sdn Bhd, priced 10–30% below your current bill or their quote.

Why teams switch

Account, FX, corporate card and payments are built in, via licensed partners.

The company secretary, accounting, tax and a built-in CRM sit in the same workspace, which Airwallex does not offer.

Priced from your current bill or their quote: 10–30% below it.

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. 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.

Can I keep my Airwallex account and use OCTIS?

Yes. Tell us what you use today and we will confirm what OCTIS takes over, such as the secretary, books and tax, and what stays where it is, before quoting.

What does Airwallex charge in Malaysia?

Its Malaysia pricing page lists no monthly account fee, free local transfers, SWIFT at RM 30 to RM 90, FX at 0.4% (17 major currencies) or 1.0% above interbank, and collections from 1.4% + RM 0.50. Check the page for current terms.

Is OCTIS a bank or a licensed money service?

No. OCTIS runs your company, and the account, FX, corporate card and payments are provided through licensed partners.

Does OCTIS replace my audit?

No. OCTIS prepares schedules and liaises with the auditor; an independent licensed auditor signs the audit.

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