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When you first sign up, only the parent can pick the custom card, however once your account is fully set up, the child can choose and pay for their own custom card design through their app.
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 into the parent account or the child account, and choose the 'customise your cards' option.
Depending on who is ordering the custom card, either parent or child can pay for the new design. Custom cards can be ordered within both the parent and child app.