If you encounter the aka.ms/accountsettings Minecraft error on Xbox/window 10 pc, follow these given steps to change your child account setting through the main Microsoft account -
1. Sign in and sign out of your MS account on all devices.
2. Restart the Minecraft game.
3. Again login into your Microsoft account on your window10/Xbox.
After doing this, you may try to connect with your friend's realm. If multiplayer gaming still does not work for you then, adjust your MS account settings.