Let me share some information about matching and categorizing transactions in QuickBooks Online (QBO), @dawz007.
QuickBooks matched the transactions downloaded with the ones you already entered into your account. This way, it will automatically link together, so you won’t get duplicates. Whereas, categorizing this means that once a transaction has been processed, it should be identified and assigned to an expense or income category—preferably automatically.
Check this article for detailed steps on how to match and categorize transactions in QuickBooks Online. You might also want to utilize this article to reconcile an account.
Let me know if you have questions about your banking transactions. The Community always has your back. Have a great day!