I will tell you how I do it at the moment. First I buy OPEN.BTC on DEX than I transfer it to my uphold.com account and from there you can withdraw it to your bank account which takes 3 working days. OpenLedgers Ronny is working on Ocash card that should be ready by end of February 2018 and with this card you should be able to load it up directly with Bitusd and spend.