Index: /trunk/src/org/openstreetmap/josm/data/imagery/WMTSTileSource.java
===================================================================
--- /trunk/src/org/openstreetmap/josm/data/imagery/WMTSTileSource.java	(revision 15410)
+++ /trunk/src/org/openstreetmap/josm/data/imagery/WMTSTileSource.java	(revision 15411)
@@ -376,5 +376,9 @@
                     LatLon center = info.getBounds().getCenter();
                     if (!first.getBbox().bounds(center)) {
-                        first = layers.stream().filter(l -> l.getBbox().bounds(center)).findFirst().orElse(first);
+                        final Layer ffirst = first;
+                        first = layers.stream()
+                                .filter(l -> l.getMaxZoom() >= info.getMaxZoom() && l.getBbox() != null && l.getBbox().bounds(center)).findFirst()
+                                .orElseGet(() -> layers.stream().filter(l -> l.getBbox() != null && l.getBbox().bounds(center)).findFirst()
+                                        .orElse(ffirst));
                     }
                 }