Here in Belgium I have the same issue as many others, but I encounter them often with apps used only in Belgium and the Netherlands I guess.
The background drainers are HLN, iCulture and sometimes Buienalarm.
I've had also the clues to update my iPhone via Mac/PC.
So I made an iCloud backup, restored my XsMax via DFU on my iMac (running latest available macOS Catalina). After installing Face id etc, I Setted back the iCloud backup.
First 3-4 days a massive battery drain including the running background apps. I know this is a normal behaviour after a clean install or a big update.
The drain has been stabilised now, but I have to do a forced shutdown of the mentioned apps, otherwise my Phone is almost completely out of battery after the working day. This isn't solved yet after the 4 days.
So the update via computer isn't a solution.
@peter_watt: it seems like you don't suffer the issue. In the beginning of this topic, people are reporting of some so called "infected" apps. Maybe you could install them on your phone and check the result.
If, in my case, I don't use iCulture or HLN, I was also free of bugs.
I'm an iPhone user for 2,5 years now. Never had this issues before and I've always used this two apps.
(I've left Android, just for this kind of bugs... regrettable)
@Mikey Watson: LOL, and if it's indeed an iOS bug, you've got the same issue with your new +1000$ iPhone...