[parisidau]

Our main, regular, actual, regulated Australian bank does offer a "Foreign Currency Account" in USD (and many other useful currencies), but cannot link a debit card to it, and it can only wire transfer.

Our regular transaction account with our real bank can receive USD just fine, but it will convert into AUD upon receipt, and spent as AUD with the attached debit card.

It's more effective to be able to spend USD directly, as needed.

Wise's offering (and others like it: OFX, Airwallex, Revolut) offer ACH, FedWire, Wire transfer, and a Debit card.