When you have a payment for review, the Payee remains the same from a transaction you last looked at. When adding it, and leaving payee blank, it completes it itself???

Hello Neil,

When you change the Payee of one of the downloaded banking transaction, QuickBooks will automatically update others to the same Payee. We can create a bank rule so we can categorize your transactions properly. You can use this article for more information: How to Set and Use Banking Rules for Downloaded Transactions.

Meanwhile, you can directly add the downloaded banking transaction to your register even if you don't assign a Payee. You only add the payee if you want to associate the banking transaction to a specific entity. It would also help you categorise your transactions well.

If you're referring to something else, additional details would be much appreciated.