Please attach a full log file showing the problem.
Also make sure you are using the correct protocol.
Also please read:
https://winscp.net/eng/docs/guide_connect
To generate log file, enable
logging, log in to your server and do the operation and only the operation that causes the error. Submit the log with your post as an attachment. Note that passwords and passphrases not stored in the log. You may want to remove other data you consider sensitive though, such as host names, IP addresses, account names or file names (unless they are relevant to the problem). If you do not want to post the log publicly, you may email it to me. You will find my address (if you log in) in my
forum profile. Please include link back to this topic in your email. Also note in this topic that you have emailed the log.