Linux. My SD card 64GiB is formatted as Fat32, most of my USB drives too. It is a Windows problem, in fact only Fat16 is limited to 4GiB.
AParted is available in Apps on /e/. Needs root access
https://android.stackexchange.com/questions/133085/how-to-format-a-flash-drive-to-fat32
Or on your phone Settings > Storage > SD card > Format as portable
On your Windows computer:
https://www.diskpart.com/AOMEI-n2f.html
from AOMEI
https://www.diskpart.com/free-partition-manager.html
OK, have to edit. Both work from your phone Settings > Storage. No need for root access or an app as AParted, screenshots made on FP2 running /e/ Pie:
