Bank Explain is defaulting to Transfer 50% of the time

The bank explain screen is selecting transfer way too much.

I have checked my rules, and i only have 4 rules for transfers, all of which are correct and none match this transaction.

I see transfer 50% of the time now, even when there is a matching invoice value it should suggest.

This has changed recently and is getting a lot worse, I've not had this problem before. It's multiple suppliers, values, descriptions etc there seems to be no pattern.

I have to click transaction, wait for it to load and then i can match to the correct invoice.