I finally got on with Intuit chat and have a fix for getting transactions.

You need to disconnect the account and reconnect.

1) We clicked on the pencil on our credit card (or I suppose main bank account would work too).

2) Then edit account info.

3) Scroll down to "disconnect this account on save". Then "save and close".

4) Re-enter your bank account number and password. Transactions all loaded at that point. 

Still get the 185 error message after hitting "update"  and will see if it works going forwards without disconnecting account again.

B