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Change the folder in the local (left) panel before initiating a transfer. The files will download to whichever folder is currently visible in that panel.
If you are already logged in and want to quickly change the download target for the current session:
Click , then click Save on the main Login dialog to ensure the change is permanent for that site. 2. Update the Global Default for All New Sessions
If you want every application (including WinSCP) to use a different folder, you should change the location of your Documents folder directly in Windows.