Electric charge is a fundamental physical property of matter, like mass is a fundamental physical property of matter. Fundamental may be defined as "affecting or relating to the essential nature of something". To ask what is the cause of charge on matter is like asking what is the cause of the mass of matter. I suppose the answer would be, we don't know, at least yet.
On bigger bodies, I've learnt so far that charge is caused by a lack
or excess of electrons or protons
What you are describing is net charge. Even if the net charge is zero, there is still a quantity of positive charge (number of protons) and negative charge (number of electrons) on a body. The basic unit of charge is the Coulomb which is the charge of 6.25 x 10$^{18}$ electrons or protons.
Hope this helps.