Thanks for getting back and providing a screenshot, @felixbone.
The steps provided by my colleague above are for QuickBooks Online (QBO). And based on the information you provided, I can see that you're using QuickBooks Self-Employed (QBSE). That is why you're unable to see the Banking tab.
When transactions are showing as pending, the system still searches for a possible match within your account. It will just show that status for approximately 24 hours. However, if it's more than 24 hours and you're still getting the Pending status, I recommend reaching out to our Customer Care Support Team. They have the tools to pull up your account in a secure environment and check further your bank transactions.
To reach them, click the Assistant button at the top-right corner and enter your concern in the search icon at the bottom. Ensure to review their support hours to know when agents are available.
If you have any other concerns or questions, let me know by adding a comment below. I'll be happy to help.