I need to access my downloads

See the following Apple articles:

If you can’t download or update apps on your iPhone or iPad

If you can’t download or update apps on your iPhone or iPad – Apple Support (UK)

You may need to have a payment method on file, even if the app you want to download is free. 

Check which payment method you have on file 

See the following Apple articles:

Change, add or remove Apple ID payment methods

Change, add or remove Apple ID payment methods – Apple Support (UK)

Add money to your Apple ID balance

Add money to your Apple ID balance – Apple Support (UK)

Payment methods you can use with your Apple ID

Payment methods you can use with your Apple ID – Apple Support (UK)

See also -> Require a password for App Store and iTunes purchases

Require a password for App Store and iTunes purchases - Apple Support

download from app store, Simple.