Good day, I hope this app is still in active development?
I have some thoughts. I come from YNAB, so bare with me.
You should have a cash account always. And ATM withdrawal should be a transfer to your CASH account. You then need the ability to add manual transactions.
Manual transactions should also be available for any other accounts with the ability to reconcile with the bank imports. This way you are in actual control of your spending instead of just passively monitoring your outflows.
Right now the app is anchored to the nudges, which greatly diminishes users ability to actually have full control of their budget and spending. Nudges I find don't add real value. This app would've been excellent, but right now its just a great net worth tracker, but a very poor budgeting tool compared to other apps such as YNAB.
Here in YNAB mobile app are my OWN top level categories: Each with the amount left for the month and the ability to add a manual transaction from any account:
Here I can add a simple cash transaction:
Here are my sub categories in their desktop or web view:
Here are my top level categories:
Please consider working in Nudges somewhere else... Right now it's not useful and prohibits the user from actually using the app as a zero based budgeting app.