[ska]

Can you open a USD bank account in with your own local bank? I know this works some places; it makes things much easier, and with sufficient funds your bank may let you trade directly on their desk which should get you within 0.5% or less of the spot rate. Wire fees shouldn't be much. SO this looks closest to what you do now but separates the sending money from the currency exchange parts.

However in the situation you describe if your economic activity isn't done in the US you probably won't owe tax on this but if your USD account bears interest, that would be considered US income. You may need to fill out US tax forms anyway, and it will depend on the tax treaties involved.

Currency fluctuation will results in capital gain/loss but you should talk to a knowledgeable accountant local to where you are filing taxes - in some cases this can be categorized equivalent to a bank fee (i.e. an expense), in some cases it has to be tracked as income.