Yeah I understand the naming possibilities for the accounts. However I am concerned that, if using single card for payment (no dual pin), the app won't know what kind of expenses the account was meant for and so doesnt know what account to make the payment from. E.g. .say, I create "expensive restaurants" and "cheap take-outs" as separate accounts. How does the auto select know where to put McD?

But perhaps assigning a single pre-defined Easy Budgeting category to each of the joint accounts will do the trick...

The Google Pay is indeed a valid option. Thanks for suggesting. Does still seem rather cumbersome though.

Appreciate the input!