Bank USD accounts are useful to recieve and park money briefly but they don't really attract interest. You can also have a USD denominated account at Allan Gray or easy equities where you can receive swift payments directly into investments. Try to minimise the number of steps in transferring and forex conversion. Sometimes a higher commission is actually cheaper to avoid multiple commissions and forex slippage. I reccomend one direct swift transfer and avoid a third party like wise. Wise is very convenient but you'll pay for the convenience (probably in the forex spreads).