If you password (or your subscription or whatever) expired, you need to contact your hosting provider or server administrator. There's nothing you can do about it on the WinSCP side.

After so many happy years the auto-login button now gives "access denied" message to my password.
I did update to current version. No change.
The forum didn't give anything I understood. (Ar 91 years I'm not very sharp these days).
My only guess is my password expired but I find no way to change password.
Help!