Dictating spelled numbers in English and other languages
The answer is to install Google’s GBoard keyboard. Its voice dictation feature automatically spells out numbers like “forty-five” rather than typing them out as “45”. I don’t know why iOS doesn’t do this. I’ve tried, but ultimately it was Google to the rescue. It also works in other languages, i.e. French “quarante-cinq” and Spanish "cuarenta y cinco”.