Hello there, @TomA.

Let's go to the Banking menu and do a manual update so you can download your Santander transactions in QuickBooks Online (QBO). 

Before we start, I want to verify if you've encountered any error messages with Santander Bank or while downloading your bank transactions. This way, I can provide the exact solution for this matter.

Santander Bank may be performing system maintenance, or there may be notifications on their website that need your attention. That's why no transactions are coming into QBO.

To fix this, you can manually update your account. This refreshes the connection between your bank and the program. Here's how:

1. Go to the Banking or Transactions menu.
2. Select the blue tile for your credit card account.
3. Click the Update button.
4. (Optional) Follow the on-screen instructions to complete the process.

Then, you'll have to sign in to Santander Bank's website. This is to check your account page for messages or alerts that need your attention. Once you make changes on the website (for example, login credentials and account info), you'll have to update QuickBooks as well. Here's how: 

1. Go to the Banking or Transactions menu.
2. Select the blue tile for your credit card account.
3. Click the Edit icon.
4. Choose either Edit sign-in info or Edit account info.
5. Enter all the necessary details and follow the on-screen instructions to complete the process.

Once your transactions are downloaded, you have to review and categorize them to keep your financial data accurate.

Also, I encourage you to reconcile your accounts in QBO regularly (every month). This helps monitor your income and expense transactions and detect any possible errors accordingly. You may want to check out this article as your reference to guide you in doing and fixing reconciliations in QBO: Learn the reconcile workflow in QuickBooks.

Let me know if you have other banking concerns or questions about managing transactions in QBO. I'll gladly help. Take care, @TomA.