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At the moment, the money for the custom card comes from the parent account, but we are working on making it possible for the child to use their own money and order their own custom card soon.
If you are just signing up, you will be given the option to choose a custom card during the initial process. If you are an existing member, you can log in to the parent account and choose the 'customise your cards' option.
At the moment, the custom card can only be ordered through the parent account, however this is something we're working on so that the child can purchase their own custom card.
We have to charge for custom cards as we incur an extra cost, we do try to keep this fee as low as possible.