That might also be because it's not legal to geoblock consumers within the "single european market" EU strategy thing. The bank might have not blocked German residents from using their UK bank account before and now they noticed there's no reason to bother people with geoblocking and so it still works after the UK broke out of the EU

You can also sideload or use something like Aurora Store to access Play Store content without restrictions. Yet another reason iOS is a nonstarter for me.

I don't see why I should even have to set up multiple accounts. For the vast majority of these apps, I see no reason they need to be geo-locked anyway.