A possible alternative for this might be the option to “redirect” a payment once it’s been made? So you pay for things as normal then you can go into the app and tap on a payment and then select a pot. The app would auto transfer the amount of the payment out of the pot and into you main account, whilst also moving the payment to show as having come from said pot. Not quite automated but better than doing it fully manually.
You can do this with IFTTT