Dim objIE As SHDocVw.InternetExplorer

    Set objIE = CreateObject("InternetExplorer.Application")
    objIE.Navigate "about:blank"
    
    While objIE.Busy
        DoEvents
    Wend
    
    objIE.Visible =  1 
    
    objIE.ExecWB OLECMDID_SAVEAS, OLECMDEXECOPT_DONTPROMPTUSER, "C:\1\temp.txt"

Public Declare Function URLDownloadToFile Lib "urlmon" Alias "URLDownloadToFileA" ( _
  ByVal pCaller As Long, _
  ByVal szURL As String, _
  ByVal szFileName As String, _
  ByVal dwReserved As Long, _
  ByVal lpfnCB As Long) As Long

"http://username:password@www.a.ru/Test.htm"