Not my greatest idea, though it’s worth a look at. Whilst striving to achieve parity between both the Android and iOS versions of the app, there is a big difference which keeps the two apart (besides the green button of course). The Android version of the app uses a “hamburger” menu located to the top left of the app, whereas the iOS version uses an always-on-screen icon bar.
Both design paradigms allow for the icon bar at the bottom of the screen as witnessed in the Android YouTube app. In the future, it may be worth considering this so as to create more of a likeness between the two app versions.
I myself prefer the hamburger menu, for it allows for more than five options. However, I do like the constraint of only being able to have five icons, for it requires better planning when creating new sections within their master categories.
Keeping the Hamburger Menu
Alternatively, the hamburger menu could be kept, though contain only five categories. Add Money and Pay would be removed from the menu and located elsewhere.
As Add Money is currently accessible via a [ + ] icon on the Home Screen, there’s no reason why a [ - ] icon can’t signify paying money. Each one could be placed either side of your balance so as to either add or subtract (pay) money.
Goals would become “Saving” and would be under the “Funds” section along with the new “Lending” tab for borrowing money via a loan or overdraft.
Card becomes Manage (mistakenly called account in my mock-up), and encapsulates Card and Account Management.
These were my initial thoughts on the matter. I hope I got some juices flowing. All the best team!