J
1. Again, please use the little reply button below a commend, so the person get's a notification like you do :)
2. About the camera permissions, it's something your Android system has to do, to give you a little window asking you if you want to allow this. On my Android 9 and later Android 10 phone I got this kind of permission dialogue, when bunq was trying to access my camera. I don't know what kind of apps you installed, as your phone is rooted.
3. "but i like to know how and why." - I honour that you care about your privacy, but my question was - Why do you see an issue with apps installing themselves as an account? I don't get what kind of extra permissions they get, just by doing this (and you said before that they do). As soon as an app get's access to your contacts, they can access them - it doesn't matter if they are installed as an account or not. Also the IP address, credit card details, etc. - an app not being installed as an account wouldn't change this behaviour.
I also sent you the privacy policy of bunq before, which is far more important for your decision to use bunq or not, than just being installed as an account. Here is the link again: https://www.bunq.com/privacy
4. If you still want an answer, I told you an option above, to just ask the private support chat to forward it. But I really think, that this has something to do with apps adding "commands" to your contacts, like starting a WhatsApp call or sending money to someone - right from your normal default contacts application. But of course, without access to your contacts if you didn't allow the access to them.